You should know better than this. What is your number one issue with your customers--they don't read their policies and therefore think things should be covered that are not. By you arguing about this, especially with all the flooding going on you are giving people a false hope that they will have covered. Content coverage is LIMITED to stuff in the basement. The only non-attached items in a basement that will be covered are large appliances-NONE of their "stuff" is covered-tvs, furniture, clothing, etc. The thought is that people have enough time to move their things in the basement to higher ground, thus they are not covered. Large appliances are covered because they are considered too heavy to move (freezers, washers, dryers).
The max coverage you can get for your home is $250K and $100K for contents-that's not a lot, especially on the east coast where in many communities a starter home goes for $500K. While flood policies do give some coverage, they are not very good. People up and down the east coast are going to find that out very soon. Again, floods cause more damage in the US than all other natural disasters COMBINED. This same issue came up with Rita and Katrina, the FLOODING that happened wasn't covered. Insurance companies got sued over this and actually won, which RARELY happens