Flood Insurance NJ
Protect your home and belongings from rising waters with affordable flood insurance from Stanton Insurance Group. Get tailored coverage that helps you recover from flood damage.
What Does Flood Insurance Cover?
Flood insurance provides financial protection when water from outside your home causes damage to your property. This includes flooding from heavy rain, hurricanes, storm surge, and overflowing rivers or streams.
There are two types of coverage:
- Building coverage protects the physical structure of your home. It includes the foundation, walls, electrical and plumbing systems, HVAC units, and built-in appliances.
- Contents coverage protects your personal belongings. This includes furniture, clothing, electronics, rugs, and portable appliances.
Flood insurance does not cover landscaping, vehicles, or temporary housing. Most homeowners and renters policies do not include flood protection, which is why a separate policy is essential.
Save with Bundling
Combining your flood insurance with home, renters, or other policies is a smart way to maximize value. Our team helps you unlock bundling discounts by coordinating policies across our network of 50+ top insurance carriers. Bundling not only saves you money but also simplifies your coverage. One provider, one contact, one bill.
Flood Insurance Coverage Options
homeowners flood insurance
Protect both your home and the belongings inside. Whether you’re in a high-risk flood zone or a moderate-to-low risk area, we’ll make sure you have the coverage you need.
Recommended: Building and Contents Coverage
Questions?
Contact an insurance agent at Stanton Insurance Group today to answer any of your questions or for a free review and quote.
Flood Insurance FAQs
No, standard renters insurance does not cover flood damage. You need a separate flood insurance policy to protect your belongings.
Flood insurance premiums vary based on your location, flood zone, property type, and coverage limits. In New Jersey, costs typically range from $500 to $1,500 per year.
No, homeowners insurance does not cover damage caused by flooding. A separate flood policy is required for this type of protection.
If you live in a high-risk flood zone and have a federally backed mortgage, flood insurance is usually required. Even if you are outside a high-risk area, it’s still recommended. Over 40 percent of flood claims come from moderate-to-low risk zones.
It does not cover temporary living expenses, vehicles, landscaping, or damage from mold that could have been prevented. Basement coverage is limited.
If you are unsure whether you have flood insurance, check with your insurance provider. You must purchase it separately—it is not included in standard home or renters policies.
You can buy flood insurance through the National Flood Insurance Program (NFIP) or private insurers. Stanton Insurance Group works with both to help you find the best coverage.