Damage from a body of water is covered only by federal flood insurance. Damage from water leaking in, roof leak or broken pipe for example, or wind driven rain through a damaged roof or window are all covered under homeowner's insurance---but if there is also any possibility of water damage from a body of water, the claims adjusters will try to say it was all due to the flood. Flood insurance must be bought at least 30 days before the damage to be valid, and it doesn't cost a lot unless you live in a mapped flood plain. I'm not in a flood plain, but a monster storm could cause nearby water to wash the soil away under my house's foundation, so I bought flood insurance. I also bought earthquake coverage on my homeowner's policy (extra cost option), but tsunami damage from the earthquake would only be covered by the federal flood policy. Contact your insurance agent for more info (and in case I got anything wrong--won't be the first time, sez the Mrs.).water damage is not covered unless you have flood insurance