It depends. DP- are for rentals which often includes loss of rental income, HO- are for homeowners. Almost all US policies exclude flooding, which is a special insurance. There’s also umbrella insurance for special situations beyond personal or homeowners insurance.

For anything broken that can’t be fixed or replaced to the original value, he should seek a diminished value claim.

Comparision matrix of coverage amongst standard plans:

http://www.andersonmurison.com/personal/coverage%20compariso...

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