Flood Insurance in New Jersey

Were you aware that if your home were to flood in New Jersey, your basic homeowner's insurance would not cover it? Most people do not realize that. But here at Five Star Insurance Agency in Fords, NJ, we want to educate homeowners about flood insurance.

In the state of New Jersey, as is the case with the majority of states in the United States, flood insurance can be an add-on to your homeowner's insurance policy. This means flood coverage is not included in your homeowner's insurance policy. Unfortunately flooding can do a lot of damage to your home. It can damage the floors, the walls, destroy your insulation and ruin furniture. Flood water also needs to be properly removed. It can contain bacteria that can cause people to get sick if not correctly cleaned. And worse, flood water can invite mold into your home if the water is not correctly removed. Mold can make people sick and can be costly to remove once it begins to grow and spread.

All of these issues are not covered under your homeowner's insurance policy, which ultimately means that you may have to pay for them out of pocket if you do not have flood insurance. All in all, this can cost thousands of dollars. But when you purchase flood insurance, flooding is covered under your policy, putting the burden on the insurance company, rather than yourself.

If you do not currently have flood insurance, now is a great time to think about buying some. If you are in the greater Fords, NJ area, contact Five Start Insurance Agency. We can help you with all of your insurance needs in New Jersey, including flood insurance. Call us today or stop by our office to get answers to the questions you may have about flood insurance or to receive a free price quote today.