What Does Flood Insurance Cover?

New Jersey flood insurance

Disaster planning is essential for people with homes and businesses located in areas vulnerable to flooding. Damage can happen quickly and be extensive. New Jersey flood insurance covers both property, meaning the structure and its built-in features, and personal contents, or everything inside that is portable. Here is a general list of what is covered under a typical policy:


  • Building and foundation
  • Electrical and plumbing
  • Water heaters
  • HVAC
  • Carpeting over an unfinished floor
  • Paneling, wallboard and built-in bookcases
  • Pumps
  • Awnings
  • Fire-prevention sprinkler systems

Personal Contents

  • Furniture and fixtures
  • Portable window AC units
  • Removable carpets and rugs
  • Microwave, dishwasher
  • Washer, dryer
  • Freezer
  • Non-licensed vehicles (such as a tractor)
  • Wheelchair or mobility assistance device
  • Furs and original art (up to $2,500)

Renters have access to the same amount of contents coverage as homeowners, plus they may recoup up to 10% of the cost of any improvements they may have made to the rental property.

Whats Not Covered?

Property and belongings outside the covered structure, such as decks, swimming pools or landscaping are not part of the typical policy. Preventable damage form mold and mildew is not covered. New Jersey flood insurance does not include protection for loss of business. In addition to flood insurance, a business would benefit from a business interruption policy to meet expenses until the waters have receded and life gets back to business as usual.


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