Living in East Orange, NJ, we understand the importance of securing your home against unpredictable circumstances. At Clinton Robinson & Associates Agency, an often asked question we receive from homeowners is whether their regular home insurance policy covers flood damage or not.
Understanding Your Home Insurance Coverage
A standard home insurance policy typically provides coverage for a variety of potential risks to your home, including fire, theft, and certain types of water damage. However, it’s critical to note that most of these do not cover flood damage, which can be quite devastating.
Home Insurance vs. Flood Insurance in East Orange, NJ
Considering the geographical location and climate of East Orange, flood insurance becomes a crucial aspect of securing your property. This specific type of insurance is designed to cover losses directly caused by flooding. Therefore, while regular home insurance may cover water damage from a burst pipe, it will not cover damage from flooding.
Why You Need a Separate New Jersey Flood Insurance Policy
Now that it’s clear regular home insurance does not cover flood damage, it is evident why homeowners in East Orange need a separate flood insurance policy. It provides the financial safety net needed to rebuild and recover in the unfortunate event of a damaging flood.
Protect Your Property with Clinton Robinson & Associates Agency
Our priority at Clinton Robinson & Associates Agency is to ensure you have the knowledge and resources to protect your home adequately. We are more than eager to answer your questions and find the best flood insurance policy that fits your needs and budget.
