B. Coverage B: Personal Property

If the policyholder purchases personal property coverage, the SFIP insures against direct physical loss by or from flood to personal property inside a building at the described location. Note that:

Personal property must be owned by the policyholder or family members of the policyholder's household, or at the policyholder's option, the property owned by the policyholder's guests or servants
Personal property is insured for a period of 45 days at another location as set forth in the SFIP in Section III.C. Other Coverages, 2.b. Property Removed to Safety
Personal property in a building that is not fully enclosed must be secured to prevent floatation out of the building. If the personal property does float out during a flood, it will be conclusively presumed that it was not reasonably secured. In that case there is no coverage for such property

Hierarchical diagram. Top box labeled Property covered. Four boxes underneath labeled Coverage A, Building Property, Coverage B, Personal Property, Coverage C, Other Coverage, and Coverage D, Increased Cost of Compliance. Box labeled Coverage B, Personal Property is highlighted and has photograph of a sofa and coffee table under it.