Don't Let Flooding Wash Away Your Investment
Comprehensive flood insurance protection for New Jersey homeowners. With our coastal location and severe weather patterns, flood coverage is essential protection you can't afford to skip.
Living in New Jersey means dealing with hurricanes, nor'easters, heavy rains, and storm surge risks. Whether you're near the Jersey Shore, along a river, or inland, flood damage can devastate your home and finances. Standard homeowners insurance excludes flood damage, leaving you vulnerable without proper coverage.\n\nWe offer both NFIP (National Flood Insurance Program) policies and private flood insurance options. Private flood insurance often provides higher coverage limits, lower deductibles, and additional benefits not available through NFIP. Let us help you compare options and find the best flood protection for your property.
Protect your home and belongings from devastating flood damage
Protection for your home's structure, foundation, electrical systems, plumbing, and HVAC
Coverage for personal belongings, furniture, electronics, and clothing damaged by flood
Limited coverage for basements including utilities, equipment, and specific improvements
Coverage for the cost of removing flood-related debris from your property
Reimbursement for sandbags, pumps, and other flood prevention measures
Additional coverage to meet updated building codes when rebuilding after a flood
Expert guidance through flood insurance complexities
Access to both National Flood Insurance Program and private flood insurance for better coverage and pricing.
We understand New Jersey flood zones and can help you get the right coverage for your risk level.
Compare NFIP rates with private flood insurance options that may offer broader coverage at lower costs.
Understanding your flood risk is the first step to proper protection
Storm surge from hurricanes and nor\'easters threatens Jersey Shore communities.
Properties near the Passaic, Raritan, and Delaware rivers face seasonal flood risks.
Heavy rains can overwhelm storm drains causing flooding anywhere, even inland areas.
Get a flood insurance quote today - don't wait until it's too late.
Yes! Over 20% of flood claims come from properties outside high-risk flood zones. Standard homeowners insurance doesn't cover flood damage, and floods can happen anywhere due to heavy rain, snow melt, or storm surge.
Yes, there's typically a 30-day waiting period before flood insurance takes effect. Don't wait until a storm is approaching - it will be too late to get coverage. Some exceptions apply for new home purchases.
NFIP (National Flood Insurance Program) is government-backed with standardized coverage and limits. Private flood insurance often offers higher limits, additional coverages, and may be less expensive, especially for lower-risk properties.
Flood insurance typically doesn't cover temporary living expenses, currency, precious metals, outdoor property like decks and pools, cars (covered by auto insurance), and mold damage that could have been prevented.