iStock_000013225063XSmallFlood insurance is a “must” in order to protect your home, business and family. Loss from floods is overwhelming if you’re not covered by insurance - a low cost form of protection.

When you are a flood insurance policy holder:

  • You are compensated for all your losses
  • Coverage is relatively inexpensive
  • You can depend on being reimbursed for all flood damages, even if the President does not declare your area a Federal disaster
  • You do not have to repay a loan, as you might have to with many Federal disaster relief packages. Your covered losses are paid in full
  • You can count on your claim being paid in the event of a flood loss because flood insurance is backed by the Federal government
  • Your agent will make sure that your claim is handled quickly so you will not have to put your life on hold if your property is damaged by a flood. You can even request a partial payment immediately after the flood which can help you recover even faster
 

Every consumer needs to know about the National Flood Insurance Program (NFIP)

Everyone lives in a flood zone.

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What Clients are saying ...

"We have used the services of Joe Stine and his company for many years, our home is on the water, which makes good quality home owners insurance very hard to get. Joe did a great job in finding us the right policy at an affordable price. We would highly recommend Joe and Stine Agency for any insurance needs. "

Bob & Arleen, Atlantic Highlands