Home Insurance

What a Standard Policy Covers, and What It Does Not

A typical homeowners policy protects your dwelling, personal belongings, and liability if someone is hurt on your property, plus additional living expenses if you are temporarily displaced. What it will not cover is flood damage. Flood insurance is a separate policy, and it matters here: many New Jersey communities near the coast, rivers, and low-lying areas fall within flood zones where lenders require it. We help you determine whether your property needs it, even if you are not directly on the water.

Storm Season Deductibles Every New Jersey Homeowner Should Understand

New Jersey is one of the coastal states where insurers can apply separate windstorm or hurricane deductibles on top of your standard deductible. These often apply as a percentage of your home's insured value rather than a flat dollar amount, which can catch homeowners off guard after a nor'easter or tropical storm. We review your declarations page with you so there are no surprises at claim time.