Dirus & Sons

2100 Corlies Ave, Unit 4
Neptune City, NJ 07753

Get Directions

Flood Insurance Myths To Avoid

Dirus & Sons is an independent insurance agency. We offer insurance coverage to the Neptune, NJ community. For over 30 years, we have helped our clients find custom policies designed to protect their interests. We want to make sure that you are protected when tough times arise.

Flood Insurance Myths To Avoid

Severe flooding is a common issue that impacts thousands of people across the United States every year. Even if you stay in a relatively low-risk area of Neptune, NJ, there is still a chance that your property could be damaged if severe weather runs through the area. Flood insurance protects your property and personal belongings if they suffer flood damage. If there is extensive flood damage to your property, alternative living coverage assists you as you find another place to stay while your home is repaired. As you research flood insurance, try to avoid some of the misinformation that is spreading around.

Flood Insurance Only Benefits Homeowners

Flood insurance is available to you if you are staying in a rental property. If you own a business, you can add flood insurance to your commercial property as well.

You Are Ineligible For Coverage Because Of A Previous Flood

This is incorrect. You are still eligible to obtain flood insurance as long as you are staying in a community that is covered through the National Flood Insurance Program.

You Should Wait Until a Storm Is Approaching To Find Coverage

This is incorrect, as flood insurance policies have a 30-day grace period before coverage starts. If you wait until a week before severe weather is expected to move into the area, you will not be protected if your personal items are damaged. To ensure that you are covered when you need it most, look for coverage during relatively dry periods without the threat of a natural disaster.

Dirus & Sons Will Help You Find Coverage

Visit our website to learn more information about flood insurance.  

Do You Need Flood Insurance in New Jersey?

Residents of New Jersey experienced major flooding from a hurricane a few years ago, and at any time, a flash flood can occur. The agents at Dirus & Sons in Neptune, NJ understand the importance of having a flood insurance policy in place, just in case you need it.

Flood Insurance Requirements in New Jersey

Flood insurance is not required under New Jersey law, but your mortgage lender may require it. Even if you are not required to have a flood insurance policy in place, it is a good idea to have one since most homeowner’s insurance policies do not automatically include flooding as a coverage option.

Flood Insurance Policy Coverages

You can obtain a flood insurance policy whether you live in a flood plain or not, and you can obtain a policy through your insurance agent in conjunction with the National Flood Insurance Program (NFIP). This program will provide up to $250,000 for your home and up to $100,000 for your personal property that is inside your home. For example, if your home is a total loss due to flooding, you will have enough money to relocate to a different house or rebuild your home and replace all of the contents inside your house before the flooding occurred.

Not Covered By Flood Insurance

If you have precious metals, expensive jewelry, stocks, bonds, and even cash in your home, a flood insurance policy will not cover those. You can keep those at another location in case a flood occurs for safekeeping. Many outdoor items, such as trees, landscaping items, walkways, and even decks and swimming pools, are not covered by flood insurance.

Contact an Experienced Agent

To create the best flood insurance policy for you and your home, contact the agents Dirus & Sons in Neptune, NJ by calling or emailing for an appointment today!

Partner Carriers

  • Aetna
  • Ameritas
  • Bankers Fidelity
  • Bristol West
  • BTIS
  • Cabrillo Coastal
  • Delta Dental
  • Foremost
  • FTP
  • Humana
  • Mercury
  • Morstan
  • Penn Mutual
  • Plymouth Rock
  • Progressive
  • Savoy
  • Strand
  • Tokio Marine