In light of the recent events, I want to know what you think!! Does your homeowners/renters insurance policy cover flooding??

Since school just started let's have some fun.. Say that you are at the college, and your car, full of your school supplies, books and laptop, gets stolen. Who is going to pay to replace those expensive items?

When you see 25/50/25 on your auto policy, what do those numbers stand for? Can anyone tell me?