Flood Insurance in New Jersey
Flood Coverage for Residential Property in New Jersey
In recent years, flooding has become a major issue throughout the U.S., but especially in states such as New Jersey. New Jersey faces frequent and intense storms and hurricanes as well as rising water levels. Each year, up to about 86,000 homes and properties in New Jersey face flood damage. Even a single flood can cause thousands of dollars in damage, which is why it is important to find the right insurance for your property.
Afton Managing General Agency, Inc. offers comprehensive and affordable flood insurance for residents across New Jersey. Our dedicated agents will help you calculate your so that you can get the policy you need at a price you can appreciate.
What Does Flood Insurance Cover?
Flood insurance generally covers your physical property and belongings that are destroyed or damaged due to a natural flood. This includes your home, furniture, clothes and other items. This includes:
Built-in appliances (dishwashers, stoves, refrigerators, etc.)
Permanently installed cabinets, paneling and carpeting
Foundation walls and staircases
Are Floods Covered by Home Insurance?
Basic home insurance and other property insurance policies commonly exclude flood damage from their coverage, which is why you need to add flood insurance to protect your property.
Insure Your New Jersey Property
Protect your property in New Jersey from floods with a reliable and affordable flood insurance policy. Speak with a dedicated agent from Afton Managing General Agency, Inc. at
or fill out an to get started today.
Common New Jersey Residential Flood Insurance Questions
How Much Flood Insurance Do I Need in New Jersey?
The amount of flood insurance you need depends on the property you are insuring. In general, you should carry enough flood insurance to cover the replacement value of your belongings and property.
How Much Does Flood Insurance Cost in New Jersey?
The cost of flood insurance in New Jersey varies depending on the insured property, coverage limits, deductible, claims history and more. Fill out a quote form to find out how much you can save on New Jersey residential flood insurance today.
How Does Flood Insurance Payout?
Flood insurance will only pay out once a claim is approved by your insurer. These policies are available as actual cash value or replacement cost value. An actual cash value policy provides compensation after accounting for depreciation, which means that as the value of your property goes down, so does the amount of compensation you may receive. A replacement cost value policy, on the other hand, does not account for depreciation.