Flood Insurance

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