Overland water is fresh water that comes from rivers or lakes, or it could be the result of a rainstorm or spring run-off. This coverage provides protection for damage caused by fresh water coming in through your windows and doors at ground level. Some examples include excessive rain, river flooding, and melting snow or ice.
Even if you're living on a higher floor and don’t have items stored at a lower level, consider adding overland water coverage, as you may need to relocate if the lower part of your building is badly damaged. In this case, overland water coverage would help cover the additional living expenses you might need.
Note that overland water coverage doesn’t cover you for damage caused by coastal water (salt water), tsunamis, waves and tidal waves.