FAQ Does my Homeowner's Policy cover Flood Insurance? No, they are separate policies. Are my personal belongings covered if I take them along with me when I am traveling? Yes, they are covered. Do I have to pay a Windstorm Deductible? It depends on the location of your home in relation to the ocean. Is my home computer covered? Yes. Am I covered if I rent a vehicle for personal use? Yes, for the coverages you now have on your policy. Are insurance points the same as Highway Department points? No.