Flood Insurance in New Jersey

Floods can happen when you least expect them in New Jersey. Although you may already have home insurance on your home in Stewartsville, NJ, it won’t protect you against everything. Floods can cause significant amounts of damage – and with the help of us at TAS Insurance Agency, we’ll be sure you have the coverage you need.

Is flood insurance required?

There may be several entities that require you to have flood insurance – your mortgage company, the state, or even FEMA. It all depends on where you live. New Jersey established flood zones every year based on where past flooding has occurred. You will want to work with an insurance agent to find out whether you are in a flood zone – and if you need to have flood insurance.

Even if a flood policy isn’t required, it can still be a great idea. It ensures you have financial protection if a flood does occur, especially since your homeowner’s insurance policy won’t offer coverage against floods.

How Flood Insurance Protects

Flood insurance can protect your home in the event that it is damaged by floodwater. Since water can enter your home and destroy belongings, ruin your flooring, and more, you need to know that you are covered. Otherwise, you could end up spending thousands of dollars in repairs and replacements.

An insurance policy can protect against several scenarios:

  • A dam breaking
  • Storms
  • Melting snow
  • Overflow from rivers and lakes

There’s no telling what can happen throughout Stewartsville, NJ and you need to be protected. If water does become a problem, you want to file a claim with the insurance company knowing that they will take care of everything. The only thing you would be responsible for is the deductible.

Call us at TAS Insurance Agency today to learn more about flood protection for your home. Our agents can answer questions and help you find the right policy.