Flood Insurance in New Jersey

Flood Insurance Coverage in New Jersey

Most homeowners are not aware that standard homeowner’s insurance policies do not provide protection against flood damages. New Jersey residents that own property in flood zones or flood prone areas will need special flood damage insurance plans in order to stay protected. Flood insurance is essentially a special policy that is guaranteed by the Federal government in collaboration with private insurance providers.

Every Homeowner Can Sustain Damage from Flooding

The fact of the matter is that even if you are not in a flood-prone area, you still have a chance of having your home damaged by a flood. In fact, homes outside of flood zones have a 26% chance of sustaining damages from a flood, compared to a 9% chance of having a fire over the course of 30 years, which is the standard time period for a typical fixed rate mortgage. Here at Manzo, you can have complete peace of mind that our professional Insurance agents will offer you the best flood insurance options to meet your needs.

Flooding Can Be Caused by the Following Events

  • Overflow of Tidal or Inland Waters
  • Rapid and Unusual Accumulation of Surface Water or Runoff Water from Any Source
  • Mudflow
  • Settling or Collapsing of Land That is Located along Shorelines, Lakes or Other Bodies of Water Due to Erosion

Contact us today for more information.