In most cases, not having flood insurance is a chance you simply can’t afford to take.Ĭontact us and we’ll help explain the benefits of obtaining a separate flood insurance policy. If you are hit by flooding you could lose many or most of your personal possessions, face major reconstruction work, and be left homeless for months while your property is made habitable again. However, this only covers a tiny percentage of American homes.įor most homeowners, floods are a low-likelihood but high-cost risk. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. The third myth is that government programs have taken care of flood insurance. In certain low-lying and flood-prone areas of New Jersey, homeowners who have mortgages are required to have personal flood insurance. In reality, that is usually not the norm, and you should always assume you aren’t covered unless your homeowners policy specifically says otherwise. In reality, flooding is a potential risk everywhere and the damage can be devastating.Īnother myth is that homeowners insurance automatically includes flood insurance. The first is that flood insurance is only needed for people living in designated flood zones. Policies have different options so contact one of our staff at 84 for any questions you may have about your New York flood insurance policy.Three major myths about flood insurance mean you could be taking an unnecessary risk. You will also want to consider coverage for your personal property as well, such as furniture and clothing. Building, contents, replacement cost coveragesįlood coverage Insurance in Port Jervis, New Yorkīuilding coverage is designed to protect the structure of your home or business and cover appliances and other property items that are considered part of your property including air conditioners, dishwashers and cabinets.Just a few inches of water can cause major damage to your home and property. Floods can result from storms and melting snow. We have multiple options for your flood insurance in New York: Flood Insurance Melting Snow, Heavy Rainfall, and Hurricanes There doesn’t need to be overflowing river banks or ocean water breaching a sea wall to cause flooding. Flooding is the cause of damage to homes and businesses yearly. 10 inches of rain fell on average in recent years. Contact an agent today to get the coverage you need. Typically, your flood insurance policy is dependent on your flood zone risk. Getting Flood Insurance in Dover, and the Entire State of New Jersey, Is Fundamental. One of these agents can provide you with affordable New Jersey flood insurance quotes to compare so you can find a policy that protects you financially in the event of a flood. Your standard New York flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. The more information you can provide, the better we can serve you. To shop your coverage, we need some detailed information. Thank you for visiting Stanton Insurance Group where we provide exceptional insurance services for businesses and families in New Jersey and Pennsylvania. We aim to get you the coverage you need at a good rate. Call: 73 Check Out Our New Jersey Flood Insurance Program Features: 2 MINUTE ONLINE INSURANCE QUOTES (OR BY TEXT) Call us for a fast and free flood insurance telephone quote, or, request a quote using our easy online form below. Generally, this is a great thing for those with lower-valued homes since its more likely that theyll get lower flood insurance costs and there get to avoid that rate hike. 2023 - One-Stop Shop for all Flood Insurance Quotes Get flood quotes Simply select the type of policy you need and click Start Quote Let a Flood Nerd Shop for You. These people will receive a good change because of the immediate decrease of more than 100 (1200 per year). Also, don't rely on the federal government to assist you in the event of a massive flood situation. This is composed of 21 or 46,319 policies in New Jersey. Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy.
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