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You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

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Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure.

Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

But despite his image as the world's most notorious terrorist, Baghdadi was terrified that his other wives would find out about the 26-year-old aid worker, so insisted she was imprisoned at the home of his deputy Abu Sayaff.

Muna's harrowing account of her time as a sex slave gives unprecedented insight into the life, cruelty and daily routines of elusive terror chief Baghdadi, who has only made one public appearance since he declared himself caliph - leader of the world's Muslims - during a sermon in Mosul last summer.

Flood insurance provides protection for destruction and financial devastation caused by floods.Although it may not seem like much, even a few inches of water can cause serious damage, resulting in thousands of dollars in repair and restoration costs.

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