Insurance Center of North Jersey - Personal Insurance Needs in New Jersey

Flood Insurance Coverage

Insurance Center
of North Jersey

Call Today! 800-864-3952

Our mission at Insurance of North Jersey is to help New Jersey residents to understand the basics about flood insurance and to address the common misconceptions. For example, the first misconception is that home owner’s insurance covers the flooding risk. The fact is that home owner’s policies usually/generally do not provide flood coverage and this fact is highlighted in bold letters on the first page of your home owner’s policy. The second most common misconception is that flood policies are expensive to purchase or obtain. Actually in FEMA determined Preferred Risk Zones, you can purchase flood insurance for as little as $119 per year. Last but not least, some home owners think that they do not live in a flood zone in New Jersey. The fact is FEMA has designated many areas in the state of New Jersey as flood zones with different levels of risk.