![]() ![]() today to get the home protection you deserve and to speak to an agent. Since 1879, we’ve been helping customers in New Jersey, Pennsylvania and beyond. Speak to your insurer for more information. Flood insurance is guaranteed through the National Flood Insurance Program (NFIP), administered by FEMA. Homeowners with property in low- to moderate-risk zones can also purchase flood insurance as long as their community is part of the NFIP. You can obtain a flood insurance policy through your insurance company or agent. You don’t have to live in a high-risk zone to buy a flood insurance policy. However, this may not apply to every homeowner. Flood coverage is not included in homeowners nor business insurance policies. You may also be able to purchase a private flood insurance policy, which may come with various coverage options and limits. New Jerseys properties are at risk for flood damage. If you buy your flood insurance at the same time as you take out a mortgage, it may begin immediately. Although there are exceptions, your flood policy will typically have a 30-day waiting period before it goes into effect. If your community participates in the National Flood Insurance Program (NFIP), you will generally be able to purchase flood insurance through one of your local insurance agencies. Built-in appliances (e.g., oven, refrigerator)įor more information on the flood insurance coverage we offer, call Insurance Agencies Inc.Garage and other detached structures (e.g., gazebo, fences).Personal property (e.g., furniture, clothes and electronics).Although individual policies may vary, here are some commonly covered items: Generally, your flood insurance policy will pay to repair or replace the structure of your building or your possessions if they are damaged or destroyed during a flood. We’re here to help you find the right coverage for your insurance needs. Even when it’s not required, however, you may decide the benefits of flood insurance outweigh the cost of premiums. If you live in a high-risk area, your mortgage lender may require that you purchase flood insurance before approving your loan. Flood insurance is not just for properties in high-risk areas near coastlines and along rivers and streams. to learn about your flood risk and how flood insurance can protect your home.įlood insurance is property insurance generally purchased separately from your homeowners insurance policy. ![]() What’s more, a standard homeowners insurance policy does not typically cover these losses.Ĭontact Insurance Agencies Inc. Even if you don’t live in a designated high-risk flood zone, flooding could damage or destroy your home. ![]()
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