Contacting Reiner Insurance today will get you on the path to an affordable policy for flood insurance in NJ. In truth, many flood insurance claims occur in low-to-moderate risk areas.ĭon’t wait until it’s too late. The Legal Services of New Jersey is offering assistance filling out applications as well as legal assistance for those who qualify. NJ, NY, and PA residents have been saving money with our flood insurance for over 60 years. Speak to a Reiner Insurance agent today to find out the importance of having flood insurance. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. Flood insurance is a vital protection for all NJ, NY, and PA residents. If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. Reiner Insurance can help you determine if you should be protected with New Jersey flood insurance. NJ has risk areas for flooding, but even if your property is not prone to flood you have to be prepared. You must apply for building coverage and contents coverage separately if you choose to invest in a standard policy for flood insurance. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. NJ flood insurance offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.ĭifferent types of policies are available based on your property’s location and flood history: Standard Flood Insurance Policies Purchasing a flood insurance policy through Reiner Insurance can protect you.Īlthough it may not seem as necessary as homeowners insurance, you want to have additional coverage to keep your home safe and your possessions secure with flood insurance. Homeowners insurance does not cover floods. Although it may not seem like much even a few inches of water can cause serious damage – resulting in thousands of dollars in repair and restoration costs. New Jersey flood insurance provides protection for destruction and financial devastation caused by floods. For comprehensive flood insurance NJ residents can count on Reiner Insurance.

Flood insurance new jersey