Funny Brothers From New Jersey Youtube
Flood insurance is an area of insurance that is all too easy to neglect until it is too late. New Jersey and the surrounding states experience a fair amount of flooding during hurricane season. This makes it necessary for all homeowners and businesses with commercial property to plan ahead. Flood insurance takes sometimes up to a month or longer to become active, thus, waiting until a flood has been forecast is not an effective approach.
To protect your property, whether residential or commercial, you should make sure to buy flood insurance ahead of time. The federal government has set up a flood insurance program under the management of FEMA (Federal Emergency Management Agency). You can purchase policies for your property or your business from insurance agents around the state. Below are some of the best insurance companies in NJ that offer flood insurance originated by FEMA.
State Farm Flood Insurance
StateFarm is active in NJ and offers a full suite of insurance products to residents, whether families or businesses. The company's flood insurance programs are underwritten by the NFIP ( National Flood Insurance Program). This program ensures that residents across the country can access affordable and adequate insurance against property damage from floods.
Buying flood insurance from StateFarm is easy for NJ residents. You can locate a State Farm agent near you from the State Farm website and make an appointment to purchase your flood insurance.
GEICO is another of the big insurance companies with programs in New Jersey. With GEICO, you have the added convenience of getting an online quote for your NFIP-compliant flood insurance. You also have the option of getting a quote via phone by calling (800) 841-2964. The quote will depend on the amount it would take to replace your property in the case of total destruction from a storm or flood. GEICO insurance you get under the NFIP program will typically cost a fraction of what flood insurance might otherwise cost you.
Allstate New Jersey Insurance Company
Allstate New Jersey Insurance Company is the subsidiary of Allstate active in NJ. It participates in the NFIP program and can get you NFIP flood insurance. Allstate has many insurance agents around the state. You can search for an agent through the Allstate website to find one near you who can sell you a suitable flood insurance policy. Under the NFIP program, you can insure your home up to $250,000. Personal property can be insured up to $100,000. If you need higher levels of coverage, you can purchase an Excess Flood Insurance plan through Allstate or its affiliates.
Plymouth Rock Assurance
Plymouth Rock Assurance is one of the largest insurance companies active in the state. It offers a variety of products such as auto insurance and home insurance. You can also buy your NFIP flood insurance from the company to cover your residential and commercial property. The advantage of going with Plymouth Rock Assurance's programs is that insurance is generally cheaper than disaster relief in the case of a flood. Loans given to families and businesses after a flood generally require repayment, meaning the total cost will be paid by the property owner in the end. You can get a quote from Plymouth Rock Assurance online or by phone at 855-993-4470.
Farmers Insurance
Farmers Insurance offers comprehensive insurance solutions for residents of New Jersey, including NFIP flood insurance coverage. You can visit a Farmers Insurance agent in your town to purchase your insurance. There are agents right across the state, including towns such as Bloomfield, Somerset, Florence and Ramsey. The company's flood insurance options are compliant with NFIP guidelines. Your buildings will be covered, as well as, among other things, furniture, valuable items, artwork, and built-in appliances.
Progressive
Progressive has a sizable footprint in the NJ insurance market. Flood insurance is no exception. A major advantage of shopping for your flood insurance from Progressive is that it makes the pricing of your flood insurance very transparent. You will, therefore, be assured of getting the best price and insurance terms for your property. With a policy from Progressive, you are insured up to the NFIP limits, protecting you from loss due to storms, heavy rains, and other adverse weather events.
Source: https://www.life123.com/article/the-6-best-flood-insurance-companies-in-new-jersey?utm_content=params%3Ao%3D740009%26ad%3DdirN%26qo%3DserpIndex
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