The New Jersey Coastal Home Insurance Guide for Homeowners Protecting their Investment

Introduction: Coastal home insurance is important for those who live on the coast, but it's not always easy to find.


Coastal living and the risks of owning a coastal property


Coastal living is a luxurious lifestyle, but it comes with a lot of risks. Coastal homeowners insurance is an important consideration for coastal property owners. Coastal property insurance can help protect your home, your belongings and the land itself.

There are three types of coastal property insurance:

1) Flood Insurance – this type of coverage will protect you against damage from flooding caused by storm surges, tidal waves or tsunamis.

2) Windstorm Insurance – this type of coverage will protect you against damage from windstorms and tornadoes.

3) Homeowners Insurance – this type of coverage will protect you against all other perils that may happen to your home or personal belongings.


What type of coverage should I look for when purchasing coastal home insurance?


Coastal home insurance is a type of coverage that is not offered by all companies. The insurance company will look at the location of the property and determine if it is in a zone where flooding or water damage is more likely.

Coastal coverage can include: wind, earthquake, flood, and storm surge. It will also include any damages from those events such as broken windows or roof damage.


What are some tips to help me make my NJ coastline property more resilient against natural disasters?


There are many small and inexpensive changes you can make to your home to make it more resilient against natural disasters. For example, you can try using a natural disaster resistant paint on your exterior walls and trim. You can also use a water-proofing sealant on the foundation of your house. The last thing you should do is to create an emergency kit with food, water, batteries, etc.

If you want to learn more about how to make your house resilient against natural disasters, we recommend that you read the article by FEMA entitled “Ten Tips for Making Your House Resilient Against Natural Disasters”.


Conclusion: With what you've read here and some talk with your Wiser Insurance agent or broker you should have all the information you need to decide if you should buy a homeowner's policy that includes coverage for your coastline.


Wiser Insurance Agency, LLC

609-601-5339

help@wiseragency.com





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