"To cover the damages" means to pay for or compensate for any harm, losses, or costs that have occurred due to an accident, mistake, or wrongdoing. Full definition
Property insurance policies typically do not cover damage caused by flooding. (allstate.com)
Laws vary from state to state, and it would be terrible to assume that your present homeowners insurance policy covers damages caused by fire that was a result of a wood burner. (agentinsure.com)
Luckily your renters insurance covers damages from floods caused by leaky appliances. (valuepenguin.com)