Flood Insurance in Fairfield and Clifton, NJ

Protecting Homeowners in Woodland Park and throughout Northern New Jersey against Flood-related Risks

Destroyed belongings, ruptured pipelines, weakened structures, and injuries are all risks that you face as a homeowner who is at risk of having to endure floods.  These and other risks can be very costly to you if you’re unprotected.  For this reason, it’s very important that you have protection, which insurance provides. At Allwood Forlenza Insurance Agency we have a complete flood insurance program, which we customize for individual clients.

We’ve insured homeowners against the costs of damages that floods cause in Woodland Park and in communities throughout Northern New Jersey for decades, and also we know the flood-related needs of homeowners that are in the communities that we serve.  We’ll make sure that you pay the best possible rate for complete protection against flooding. 

Flood Insurance Coverage Details for Homeowners in New Jersey

Flood insurance covers structures and property.  It provides coverage for structures of homes for up to $250,000, and flood insurance provides coverage for contents of homes for up to $100,000. 

Flood insurance is available on replacement cost bases for structures, and on actual cash value (ACV) bases for personal property.  Also, excess flood insurance, which protects homeowners over and above flood insurance coverage that the federal government provides, is available. 

Flood risk levels of communities in which flood insurance policyholders live influence rates for flood insurance policies.  To find out the flood risk level of the community in which you live, use the FloodSmart.gov flood risk estimator.

Experienced, thorough Agents keeping you and your Home secure

We know how important it is that homeowners be secure.  For this reason, we thoroughly assess the needs of homeowners.  Once we know and understand homeowners’ needs, we identify the right limits.  At the points that the right limits are identified, we create the best possible options.

In order to ensure that there are never gaps in coverage, and that the rates that the people whom we serve pay are always competitive, we regularly and closely review policies and plans that we write.  If and when possible, we include people whom we serve in policy and/or plan review processes.  As a result, the people whom we serve can fully understand their purchases, and be cognizant of needs for changes to coverages.

Contact us or call us today.  To start on a policy, request a quote.

Additional Flood Insurance Information and Homeowners Insurance Information:

• Flood Insurance Information and Resources (The Insurance Information Institute (III))
• Flood Insurance Details and Resources (The National Association of Insurance Commissioners (NAIC))
• New Jersey Homeowners Insurance Facts and Resources (The State of New Jersey Department of Banking & Insurance)

At Allwood Forlenza Insurance Agency we’re proud to provide flood insurance in Woodland Park, Clifton, Fairfield, Wayne, Little Falls, and Parsippany, NJ.  We also serve other areas in the state.