Homeowner insurance policies typically provide coverage for floor damage, but it depends on the cause of the damage. Accidental damage to the floor, such as a spill or a dropped object that causes a dent or scratch, is usually covered by homeowner insurance. However, normal wear and tear or gradual damage over time, such as damage caused by aging, foot traffic, or pet scratches, is generally not covered. It's important to review your specific policy and speak with your insurance provider to understand the extent of coverage for floor damage. Additionally, some policies may offer optional coverage for specific types of floor damage, such as water damage from a burst pipe or flooding. It's always a good idea to read your policy carefully and ask your insurance provider about any additional coverage options for floor damage.