Ask Bob Insurance Do I need flood insurance in New Jersey?
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Do I need flood insurance in New Jersey?

Flood insurance is required by lenders if your home is in a FEMA-designated flood zone. Even if you are not in a high-risk zone, flood insurance is recommended. New Jersey has experienced flooding in many areas during heavy storms, and standard homeowner's policies do not cover flood damage.

Why It Matters

Flood damage is excluded from standard policies. Just a few inches of water can cause tens of thousands of dollars in damage without flood coverage.

Related Questions

What does standard homeowner's insurance cover? How do I file a home insurance claim? How is my homeowner's insurance premium determined? How much homeowner's insurance do I need? What is the difference between replacement cost and actual cash value?

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