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Homeowner's Insurance in New Jersey


Shopping For Homeowner's Insurance

Just as you shopped around for a loan, it is important to do the same for homeowner’s insurance.   As soon as you have signed a contract for your home purchase, you should begin shopping for homeowner’s insurance.  Buyers should obtain appropriate casualty and liability insurance for the property.  Your mortgage lender will require that such insurance be in place at the time of closing.  Occasionally there are issues and delays in obtaining insurance. 

It’s important to note that most homeowner’s insurance policies don’t cover flooding. Only a flood insurance policy will cover flood damage. Your insurance agent can tell you more about the benefits of flood insurance and in most cases, you can purchase flood insurance coverage from the insurance agent who sells your homeowner’s policy.   The National Flood Insurance Program has a website to help you prepare and learn more about floods and flood insurance. To learn about your flooding risk and how to protect yourself and your property visit www.floodsmart.gov.


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Patricia Joyce
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Clinton, NJ 08809
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