Fact #1

Everyone Lives in a Flood Zone and everyone needs flood insurance.

Most have personally witnessed family and friends who were caught completely unaware by a flood. They suffered terrible losses to their dwellings and personal property, due to lack of flood coverage. Learn from the mistakes and don't let it happen to you!   

You do not need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, water backup due to inadequate or overloaded drainage systems, as well as broken water mains.

Fact #2

Flood damage is not covered by Homeowners or Business Commercial policies!

Flood losses are NOT covered by Homeowners or Business Commercial policies. However, you can protect your home, business, and belongings with flood insurance through the National Flood Insurance Program. With the assistance of your independent insurance agency, you can insure your home with flood insurance up to $250,000 for the building and $100,000 for contents. (Non-residential buildings are eligible for more coverage, as shown in Fact #6)

Fact #3

Flood insurance is affordable.

Close to 100 private insurance companies offer affordable flood insurance backed by the federal government. Call one of our agents!

Fact #4

Flood Insurance is easy to get.

You can buy flood insurance through us! You can even use a credit card.

Fact #5

Contents Coverage is available for renters to insure their belongings.

Up to $100,000 in contents coverage is available for renters as well as homeowners. Renters, Home Owners and Businesses should all have contents coverage. Contents is not automatically included with building coverage.

Fact #6

Non-residential buildings and their contents are eligible for a higher coverage

Flood losses are NOT covered by Commercial & Business Policies. However, you can get flood insurance for up to $500,000 per building and $500,000 for the contents of each non-residential building.

Fact #7

There is a 30 day waiting period before coverage goes into effect. Don't wait until it's too late!

Plan ahead so you are not caught without insurance when a flood happens. BUY NOW!

Fact #8

Federal Disaster Relief will not help you

Federal Relief is only available is the president declares a disaster. Flood insurance pays regardless if it is a declared disaster or not.

For questions or more information, please call our office today to speak to an expert.

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   - Courtesy of PIANJ

   Need Insurance? Or have questions about your current policies? Call a Borgos, Hanlon, Henry, and Garcia Agent today for more information.