Homeowners & Flood Insurance: A Guide for Jersey Shore Residents

If you own a home near the Jersey Shore, in towns like Brielle, Point Pleasant, or Manasquan, a standard homeowners policy alone may not be enough. Here's what shore-area homeowners should know.

Why standard homeowners insurance isn't the whole picture

Most homeowners policies exclude flood damage entirely, whether it's caused by storm surge, heavy rain, or a nearby waterway overflowing. For coastal NJ properties, that's a significant gap in coverage.

What flood insurance typically covers

• Structural damage to your home's foundation, walls, and built-in systems (electrical, plumbing, HVAC).

• Certain built-in appliances and fixtures.

• Personal belongings, though contents coverage often has to be added as a separate line.

Who should consider it

• Homes in FEMA-designated flood zones (often required by your mortgage lender).

• Homes near tidal waterways, bays, or low-lying areas, even outside mapped high-risk zones, since a meaningful share of flood claims come from outside official flood zones.

• Anyone who's experienced water intrusion during a nor'easter or hurricane, even without a federal flood zone designation.

Home and flood coverage are usually separate policies, but coordinating both through the same agency helps avoid gaps or overlap in your coverage.

Not sure whether your property needs flood coverage, or what your current policy actually excludes? Call IgoQuote at 844-446-4628 for a coverage review, or request a free quote online.