New Jersey Surplus Lines License Number: 1524646

Quote Only. Coverage is not bound at this point.

Submission of a complete and signed application is required to obtain coverage.

Premium is subject to underwriting guidelines and application approval.

ONCE YOUR LENDER PAYS YOUR RENEWAL PREMIUM YOU CANNOT CANCEL THE FEMA POLICY****TO PREVENT YOUR LENDER FROM PAYING A RENEWAL PREMIUM YOU DO NOT WANT THEM TO PAY YOU MUST NON-RENEW YOUR FEMA POLICY(ask us for details).

 

Submit An Application

Private Market Flood IS available for: Single Family Dwelling and 2 to 4 Unit Residential Buildings, Non-Residential and 5 or more Unit Residential Buildings.

Private Market Flood IS NOT available for:

  • Non-residential and other residential properties when the total insurable value exceeds $2,500,000 in respect of Buildings and $2,500,000 in respect of Contents.

  • Mobile homes and condominium units.

  • Properties located in CBRA areas, non-participating FEMA communities, mobile homes, or condominium associations.

  • Other properties not eligible for coverage include: properties that have experienced more than one flood loss within the past five years, properties with unrepaired flood damage, a property that has incurred more than $250,000 flood damage to the structure, any property that has been designated by FEMA as a Severe Repetitive Loss property, and properties that have been designated by a duly constituted State or local authority to be in violation of State or local floodplain management regulations (Section 1316).

Please Note:

Notice to Policyholder: This policy is written by a surplus lines insurer, and is not subject to the filing or approval requirements of the New Jersey Department of Banking and Insurance. Such a policy may contain conditions, limitations, exclusions and different terms than a policy issued by an insurer granted a Certificate of Authority by the New Jersey Department as an eligible surplus lines insurer, but the policy is not covered by the New Jersey Insurance Guaranty Fund, and only a policy of medical malpractice liability insurance as defined in N.J.S.A. 17:30D-3d or a policy of property insurance covering owner-occupied dwellings of less than four dwelling units are covered by the New Jersey Surplus Lines Guaranty Fund. (N.J.A.C. 11:1‐33 App.)

*Surplus Lines Tax Rate: 2%

*Fireman's Association Tax: 3%

*This tax is included in the quoted premium.

 

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