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May 14, 2021

Benefits of Flood Insurance

Floods are common and serious threats to homes in coastal areas such as the Jersey Shore. Damage to property and personal belongings is stressful enough — Make sure that you have proper flood insurance to avoid additional financial worry.

Benefits of flood insurance include, but are not limited to:

  1. Coverage not Provided by your Homeowner’s Insurance. Standard homeowner’s insurance does not provide coverage for flood damage. Unfortunately, many Americans mistakenly believe that flood damage is covered by their homeowners policy. According to a study by Swiss Re, approximately 43% of Americans believe that flood coverage is included in their homeowners insurance. Flood insurance is a separate, but easy to purchase, entity that provides additional protection for you and your property.

  2. Protection of your Life Savings. As demonstrated by the statistic above, floods can take a toll on your bank account. Without proper coverage, a flood can easily wipe out your bank account. Save yourself additional financial stress with a flood insurance plan!

  3. Coverage of Structural and Personal Losses From Floods. Flood insurance can cover up to $250,000 for your home’s structure and $100,000 for contents of the home (Source: III).

  4. No Need to Rely on Federal Relief and Loans. It can take months to receive federal relief. Loans may be available, but they need to be paid back. These forms of aid are not reliable — It is not guaranteed that they will be offered after every flood. Be sure that you have reliable protection in the case of a flood with proper coverage.

  5. Easy to Purchase. Flood insurance can easily be purchased through a reliable insurance agency, such as I & E Insurance.


Whenever you’re ready to financially protect your property and possessions from the massive damage that floods bring, contact the professionals at I & E Insurance. Give us a call at (732) 295-5584 or email us at [email protected] Free quotes are available on our website.

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice.

You may wish to consult a competent attorney, tax advisor, accountant, or your own financial advisor. EMC Insurance Agency & Financial Services LLC dba I & E Insurance Agency & Financial Services is an Independent Insurance Agency, a Member of the Trusted Choice, Independent Agents of America & PIA contact your own advisors before making any financial decision. Services offered through independent NON-AFFILIATED ENTITIES

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