Which items are covered under Flood Coverage B?

Flood Coverage B specifically pertains to personal property that is located in a building that is covered under a flood insurance policy. This coverage is designed to protect the contents within a dwelling rather than the physical structure itself or improvements made to the property, which are covered under different provisions of the flood policy.

Personal property includes items such as furniture, electronics, clothing, and other personal belongings that are not part of the building's structure. This distinction is important because it helps policyholders understand what is and isn’t protected in the event of a flood.

The other options relate to aspects of property that are either tied to the structural integrity of the building itself or are not considered personal property. For example, a building structure is covered under a different section of flood insurance, while landscaping typically falls under maintenance and not coverage for personal property. Ceiling fixtures, being a part of the building structure, also do not qualify for Coverage B. Thus, the correct understanding of Coverage B being limited to personal property is essential in effectively managing flood risk and insurance needs.