Flood Insurance

2026 Hurricane Outlook: Fewer storms expected, but don't ignore your coverage. The 2026 Atlantic hurricane season officially began on June 1 and runs through November 30. While forecasters are predicting a quieter season than we've seen in recent years, homeowners along the East Coast should not let their guard down. The National Oceanic and Atmospheric Administration (NOAA) recently released its outlook calling for a below-normal Atlantic hurricane season in 2026. Private fo

Thinking about renting out your home? Many New Jersey homeowners become accidental landlords after moving, purchasing a new home, or deciding not to sell their current property. Before handing over the keys, it's important to understand how your insurance needs may change. Learn the differences between homeowners insurance, landlord insurance, and DP-3 policies, along with liability risks, vacancy concerns, and umbrella coverage considerations for first-time landlords.

If you’ve ever shopped for insurance online, you’ve probably asked yourself: “Am I paying extra to use an agent?” “Would it be cheaper if I just went direct?” These are fair questions—and ones I hear all the time. The reality is, there are a few major misconceptions about how independent insurance agencies actually work. And in many cases, believing these myths can cost you more money—or worse, leave you underinsured when it matters most. Let’s break down three of the most co

Insurance shopping is increasing in 2026 as homeowners and drivers face rising premiums, underwriting changes, and non-renewals. Learn why more people are comparing insurance policies and what to consider before switching coverage.

Home insurance is no longer just about paying claims after damage occurs. In 2026, insurance companies are shifting toward prevention—favoring homes that can detect problems early and reduce losses before they become costly insurance claims.

Don't let the government shutdown derail your closing. Get flood insurance today! When most people hear “government shutdown,” they think...

If you're a New Jersey homeowner wondering about the maximum flood insurance coverage for residential property, it's important to know both your options — and your risks. Under the National Flood Insurance Program (NFIP), the maximum flood insurance available for residential properties is $250,000 for building coverage and $100,000 for personal belongings (contents). However, many New Jersey homes today are worth far more than $250,000, and the NFIP has important coverage li