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"Your New Jersey
Flood Insurance Policy Agent"
"Offering Professional
Insurance Services Since 1976"
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you with a no obligation quote
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Personal Insurance
Flood Insurance
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Even though flood insurance is relatively inexpensive, most homeowners do not
choose to purchase the insurance protection available. According to the Federal
Insurance Administration, less than one-quarter of the homes in areas most
vulnerable are insured against flood loss. In those areas, flooding is 24 times more
likely to occur than a fire during the course of a typical 30 year mortgage.
A standard homeowners insurance policy will not cover
damages caused by flooding. You must have flood
insurance from an insurer that writes for the National
Flood Insurance Program. If your community participates
in a floodplain management program, you should be
eligible to buy the coverage no matter if your flood risk is
low, medium or high. Residents of "coastal barrier areas"
and communities that do not participate in floodplain
management programs may have trouble finding flood
insurance coverage. Flood insurance is also available to
renters, condominium owners, and co-op owners.
New Jersey Flood Insurance Policy Information
Mud slides caused by flooding
The washing away, collapse, or subsiding of land along
the shoreline due to erosion or undermining of waves or
currents exceeding the cyclical levels
Outside of fire, flooding is the most widespread natural
disaster. According to the National Flood Insurance
Program, two adjacent properties have to be under
water to call the situation a flood. In a rural area, at
least 2 acres must be submerged.
Flood Perils Include:
The two primary types of Flood Insurance Policies are
listed below.
Overflow of inland or tidal waters
Unusual & rapid accumulation of runoff or surface
waters from any source
Sewer backup caused by flooding
The value of property as figured by determining the cost to
replace the damaged or destroyed property and adjusting
the replacement value by subtracting an amount that
reflects depreciation. Or in other words, replacement cost
minus depreciation. Homeowners are entitled to a
replacement cost value if they live in their homes at least
80% of the time and have flood insurance coverage for at
least 80% of their home's market value.
The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A flood
insurance replacement value policy will pay only the replacement value up to the
coverage limit. For example, if rebuilding your home will cost $400,000, but you
only purchased $300,000 in coverage, your insurance policy will pay you only
$300,000.
Actual Cash Value Policy
Commercial and apartment buildings will be covered only
for actual cash value.
Replacement Value Policy
Click on the link below to fill out a quote request form for a New Jersey
Flood Insurance policy that will provide excellent flood insurance coverage at
an affordable cost. Or you can discuss the features with our New Jersey
Flood Insurance agent specialist by calling 732-680-4444.
"Your Local New Jersey Flood Insurance Policy Agent Specialist!"
We offer affordable New Jersey flood insurance policies in the following NJ
counties and cities: Union County, Essex County, Bergen County, Passaic County,
Sussex County, Morris County, Warren County, Hunterdon County, Somerset
County, Middlesex County, Monmouth County, Mercer County, Burlington
County, Clark, Newark, Jersey City, Elizabeth, Rahway, Colonia, Iselin, Avenel,
Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South Amboy,
Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North
Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield,
Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex,
Martinsville, Piscataway, Edison, New Brunswick, Highland Park, North Brunswick,
Sayreville, East Brunswick, Somerset, Milltown, South River, Bound Brook,
Somerville, Bridgewater, Bayonne, Linden, Roselle, Hoboken, Union City,
Weehawken, West New York, Guttenberg, Cliffside Park, Edgewater, North Bergen,
Secaucus, Fairview, Ridgefield, Fort Lee, Leonia, Palisades Park, Englewood Cliffs,
Englewood, Bergenfield, Teaneck, Paramus, Bogota, Ridgefield Park, Little Ferry,
Hackensack, Maywood, Teterboro, South Hackensack, Rochelle Park, Moonache,
Lodi, Hasbrouck Heights, Saddle Brook, Garfield, Elmwood Park, Woodridge,
Carlstadt, East Rutherford, Lyndhurst, Rutherford, Wallington, Passaic, Clifton,
Paterson, Totowa, West Paterson, Little Falls, Great Notch, North Caldwell, Cedar
Grove, Verona, Montclair, Bloomfield, West Orange, Glen Ridge, Belleville, Nutley,
Kingsland, North Arlington, Kearney, Harrison, East Orange, East Newark, Orange,
Irvington, South Orange, Hillside, Townley, Livingston, Wayne, Trenton, Camden,
Atlantic City, Princeton, Vineland, Willingboro, and Toms River, NJ.
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American Insurance
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1129 Raritan Road
Clark, New Jersey 07066
(732) 680-4444
Fax: (732) 680-4067