Flood Insurance in New Jersey That Keeps You Protected When It Matters Most

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Think Your Homeowners Policy Covers Flooding? It Doesn’t — and NJ Storms Prove the Risk

Many New Jersey homeowners are surprised to learn that flooding is not covered by standard homeowners insurance, leaving serious gaps in protection. From Hurricane Sandy to recurring nor’easters, even a few inches of water can cause tens of thousands of dollars in damage to homes and commercial properties alike. That’s why dedicated flood protection is critical—not just for coastal areas, but also for river-adjacent neighborhoods and inland regions prone to heavy rainfall. With more than 100 years of experience serving NJ families and businesses, we help you clearly understand your flood risk and secure the right coverage without confusion or guesswork.

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Trusted by Homeowners Across New Jersey

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Very helpful, friendly, experienced and efficient staff who can help you get multiple kinds of insurance from auto to business. They know the local market and it was a pleasure to work with Dawn.


- Rita L.

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Excellent Experience! Attentive Honest and very helpful


- Debra R.

What We Help With

NFIP Flood Insurance (National Flood Insurance Program)
NFIP policies provide building and contents coverage for homes across New Jersey, including coastal and low-lying inland areas. They’re ideal for meeting lender requirements and offer predictable, government-backed pricing.


Building (Dwelling) Coverage
Covers structural damage to your foundation, walls, electrical systems, and appliances after flooding—even from storms like Sandy or strong nor’easters. It helps rebuild what rising water destroys.


See Home Coverage Options →


Contents Coverage
Protects personal belongings, furniture, electronics, clothing, and valuables—but must be purchased separately under NFIP. We help you avoid gaps so both your home and your belongings are fully protected.


Private Flood Insurance
For homes needing higher limits than NFIP provides (especially along the Jersey Shore), private flood options offer expanded coverage and faster processing. These policies can help protect higher-value homes without federal limits.


Excess Flood Coverage
Adds protection above NFIP maximums for homes in high-risk zones or with significant rebuild costs. This is especially valuable for coastal and waterfront properties

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How We Make Flood Insurance Simple

Flood coverage can feel complicated, but we break it down clearly and guide you through every requirement and option.

01

Assess Your Flood Zone

We review FEMA maps, elevation, and local risk factors to determine your accurate flood exposure.

02

Compare NFIP and Private Options

We explain which policy type fits your home’s value, zone, and coverage needs.

03

Customize Your Policy

We help you choose the right building, contents, and deductible options for real NJ conditions.

04

Support When You Need It Most

If flooding occurs, we help you navigate claims and ensure your loss is handled fairly and quickly.

Your Flood Insurance Questions, Answered Clearlye Questions, Answered Clearly

  • Do I need flood insurance if I’m not in a flood zone?

    Yes—over 20% of flood claims come from low-risk areas. Affordable preferred-risk policies are available even outside high-risk zones.

  • Is flood insurance required in NJ coastal areas?

    If your home is in a high-risk FEMA zone and you have a federally backed mortgage, lenders require flood insurance. Even if it’s not required, it’s still smart protection for storm-prone regions.

  • What does flood insurance cover that homeowners doesn’t?

    Flood insurance covers rising water, storm surge, and water intrusion from outside sources. Your homeowners insurance won’t cover flooding from storms or coastal events.

  • How long is the waiting period for a new flood policy?

    NFIP policies typically have a 30-day waiting period, while some private policies offer shorter timelines. Plan ahead—coverage isn’t immediate.

  • Can I get flood insurance for condos or rental properties?

    Yes—renters and condo owners can buy contents-only or structural coverage depending on what the association provides. It’s often an overlooked protection.

Get This Fixed Before the Next Storm Hits

Flooding is the most common natural disaster in the U.S., and New Jersey’s coastal and inland communities feel those risks every year. We help you choose smart, affordable flood protection so you stay financially secure—no matter how unpredictable the weather gets.