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.<\/p>\n
Flood Insurance Requirements in New Jersey<\/strong><\/p>\n 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.<\/p>\n Flood Insurance Policy Coverages<\/strong><\/p>\n 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.<\/p>\n Not Covered By Flood Insurance<\/strong><\/p>\n 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.<\/p>\n Contact an Experienced Agent<\/strong><\/p>\n 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!<\/p>\n","protected":false},"excerpt":{"rendered":" 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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[8,7],"class_list":["post-14","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-dirus-sons","tag-neptune-nj"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/posts\/14","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/comments?post=14"}],"version-history":[{"count":1,"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/posts\/14\/revisions"}],"predecessor-version":[{"id":15,"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/posts\/14\/revisions\/15"}],"wp:attachment":[{"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/media?parent=14"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/categories?post=14"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dirusnsons.com\/blog\/wp-json\/wp\/v2\/tags?post=14"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}