Flood Insurance in NJ, NY, and PA

Your homeowner’s policy will not cover damage that results from flooding, which is defined as water entering your home at or below ground level. Flood insurance is a separate insurance that needs to be purchased whether you live in an area typically affected by hurricanes or heavy storms, or you are in an area not known for flooding. Floods can happen quickly and without notice.

Important information to consider: There is a 30-day wait period for a flood insurance policy to be active. You cannot wait until a flood is imminent before you protect yourself with this coverage. Let us help you assess the risk and ensure you are properly protected in the event of a flood.

Protection for Your Home

A flood can happen just about anywhere. A flood insurance policy protects the structure of your home from water damage and structural damage if a flood occurs. Damage after a flood can lead to thousands of dollars of repairs, so this protection is vital.

Protection for Your Belongings

Not only is your home’s structure at risk in a flood, but the items inside your home are as well. Water-damaged belongings and furnishings must be replaced, and flood insurance will cover the cost to replace them.

Living Expenses

If you have to leave your home due to flood damage, you may have coverage for those living expenses, including your hotel stay, while your home is being repaired.

New Jersey Flood Insurance Options

In order to purchase flood insurance, you must live in one of the 23,000 communities that participate in the National Flood Insurance Program (NFIP). This program is managed by the Federal Emergency Management Agency (FEMA). Birtwhistle & Livingston Insurance is proud to be one of the companies that partner with FEMA and NFIP to offer flood insurance. Give us a call at (201) 568-5001 to learn about flood insurance options for your home.

Who Can Purchase Flood Insurance?

Flood insurance is available to many who live in these communities, including:

  • Homeowners

  • Business owners

  • Renters

If you are in a high-risk flood area and have a mortgage, you may be required to buy flood insurance. Check with FEMA to see if your home or business is located in one of the at-risk communities, or reach out to our team to discuss the need for flood insurance in your area.

Trust Birtwhistle & Livingston Insurance for Your New Jersey Flood Insurance Needs

If you live in a flood plain and need flood insurance protection, we are here to serve. Our insurance experts will help you find and purchase a flood insurance policy that will protect your home and its contents well. We have a number of policies available that fulfill the requirements of FEMA and NFIP, so you can have the right protection in place. We have been serving the local community since 1892 and have over a century of experience to put to work for you.

Call Birtwhistle & Livingston at (201) 568-5001 to learn more about flood insurance options in your community or to learn if you need flood insurance.

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