personal flood insurance

A good idea even if you’re not in a flood plain.

Over that past decade, residents throughout New Jersey and Pennsylvania know all too well the devastation and havoc flood damage can wreak on people’s lives — destroying homes, uprooting families, and costing billions in rebuilding and getting communities whole again. As an individual, whether you live by the coast or further inland, flood insurance is a top-of-mind coverage that should be part of your protection program.

Martin Insurance Group can provide you with flood insurance, reviewing the details of the plans available, including the National Flood Insurance Program (NFIP). We understand that over the last few years this federally subsidized program has undergone extreme scrutiny by Congress in an effort to make it a viable option for residents. Insurance rates have gone up and for some they have been significant, depending on where you live. We’ll evaluate what makes sense for you, including private flood insurance programs that are being made available more readily than before to residents.

Going above and beyond federal coverage limits.

Through the NFIP, you can obtain coverage for direct physical damage to your property from floodwater up to $250,000. Typically, the coverage does not cover the contents of your home, although enhancements are available up to $100,000.

Private insurers also offer various plans as well as excess flood insurance, which offers coverage beyond the basic limits. Depending on the value of your home and where you live, you can obtain substantially increased limits of coverage for both your structure and personal property. You can also obtain insurance to cover the additional living expenses required while your property is restored, such as staying at a hotel, restaurant meals, etc. In addition, we can provide flood insurance coverage for vacation homes, rental properties, condominium units, and townhouses.

Call now to speak with a representative about your flood insurance. We’ve already helped many families in Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA, and have the experience and expertise to protect you and your family. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.

Q. Why do I need flood insurance?

A. Regular homeowners insurance does not generally cover damage caused by flooding. Without it, your home could be gone overnight — and you’d have to pay to replace it out of your own pocket. Martin Insurance Group can help you assess your needs and get both federal coverage and insurance from private companies that covers some or all of your losses.

Q. Why should I buy flood insurance from you?

A. Martin Insurance Group works with thousands of New Jersey and Pennsylvania residents. What’s more, we have been selling insurance since 1983, and are a stable company you can trust.

Here are some additional reasons customers trust us for their personal insurance needs:

We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. ...READ MORE We can compare policies and pricing on coverage such as jewelry insurance and homeowners insurance from a variety of providers and help you choose the one that’s right for your unique needs.

We might even recommend one insurance provider for part of your coverage, and another for other coverage — whatever makes the most sense.

We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your insurance records are current. No more scrambling to meet dates or find documents — your Martin team will make sure you are on the ball and in compliance.

Q. I already have flood insurance. How do I know if it’s the right type or amount?

A. If you already have some form of flood insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.

Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.

Email: • Toll-Free: 800.353.5000 • Telephone: 609.356.1500
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