flood insurance comparison for basements in New Jersey

New Jersey’s shoreline, aging storm-water systems, and increasingly intense nor’easters make basement flooding a year-round risk, not a rare surprise. Yet many Garden State homeowners discover—often while standing in ankle-deep water—that their standard homeowner’s policy excludes water that enters through foundation walls or floor drains. Basement flood insurance fills that gap, but the coverage landscape … Read more

Basements are a prized commodity in New Jersey real estate—until torrential summer storms, nor’easters, or the remnants of a hurricane send water cascading through window wells, floor drains, and foundation cracks. Suddenly your finished rec room, your storage, or even your primary laundry space becomes a soggy, costly mess. Standard homeowner’s insurance typically excludes surface … Read more