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Beach Debris

Flood Insurance

The National Flood Insurance Program (NFIP)

Flood policies are unlike traditional types of insurance coverage. The NFIP exists because flooding events are generally regional, which makes them too large of a risk for most insurance carriers to provide coverage for. The federal government created the NFIP to meet the needs of a population at risk for damage from floods.

There are two primary types of flood policies available to families in varying degrees of risk for flooding:

  1. Structural Flood Policies. These policies help repair the structure of the dwelling in the aftermath of a flood.

  2. Content Coverage. This type of policy covers your possessions that were damaged by the flood.


Flood insurance is one kind of insurance that most people near coastal regions expect to need. Unfortunately, you do not need to be able to see water from your front door in order to need insurance for floods. Not everyone who experiences a flood lives on the water.

Flooding can be the result of:

  • Hurricanes

  • Landslides

  • Earthquakes

  • Overflow of waters inland

  • Runoff of surface waters

  • Rapid and unusual accumulation of water

  • Other natural disasters


Things You Need to Know about Flood Coverage

The most important thing people living in New Jersey need to know about insurance for floods is that there is usually a 30-day waiting period before policies go into effect.

What does this mean for you?

It means you cannot wait until a hurricane is coming to purchase this type of insurance. Your home and your belongings are not likely to be covered in a flooding event if you do.

Homeowners also need to understand that certain basement improvements such as flooring, walls, and ceilings are generally not covered by flood policies and neither are personal belongings families store in basements. Insurance for floods, unlike other types of insurance coverage, also does not offer living expenses to cover temporary housing while repairs are being made to your own home.

Why Work with Our Insurance Agency for Your Flood Coverage Needs?

Our insurance agents work and live in the same New Jersey communities where you, and your family, work, live, and play. We are part of the community and know the unique risks that a flood in New Jersey emits. We understand the vulnerabilities of certain areas, where the high risk areas are, and that no one is truly safe from Mother Nature’s worst.

We also have a long record of service to families throughout the interior and coastal regions of New Jersey. This history has prepared us to answer all your questions about what the right level of flood insurance coverage for your family’s needs may be.

In addition to flood coverage, we offer many insurance coverage types, such as homeowners insurance, auto insurance, and watercraft insurance. Bundling our insurance policies with our package plans can really help you save money on all your insurance needs.


Important Notice
Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverage(s). Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. 

There's something you should know: Flood losses are not covered by your homeowners insurance policy. 

Throughout the interior region of New Jersey and, particularly, in and around the New Jersey Shore, insurance for floods is becoming more of a necessity than an option for homeowners. Many homeowners can’t get mortgages or equity loans on their homes without this very important insurance coverage.

Far too many people make the mistake of believing that floods are covered by their general homeowner’s insurance policies. This is not the case. Flood insurance is a specific peril that requires a rider policy for coverage.

Our agency has been serving the needs of people, just like you, throughout New Jersey for 50 years now and are looking forward to the next 50. We are independent agents who work with several different insurance carriers in order to get the best policies, at the best prices, to meet your overall insurance needs.

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