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Flood Insurance You Need to Know | Jersey News
Description
New Jersey’s recent floods are a wake-up call: standard home and auto insurance won’t cover water damage—unless you’ve got the right policies. Floods can strike even outside high-risk zones, and over a quarter of claims come from low-to-moderate risk areas. Flood insurance costs vary by location, home value, and coverage level. For cars, comprehensive coverage is essential—floods often destroy electronics, making vehicles a total loss. Renters? Most policies exclude floods, though FEMA offers up to $100K for contents, with limits on valuables. And while many policies cover temporary relocation, FEMA’s program doesn’t—so don’t leave your backup coverage to chance.
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