New Jersey Coastal Insurance

Protect Your Coastal Home

Living by the coast brings unique beauty and lifestyle benefits, but it also comes with specific risks. At Central Jersey Insurance, we specialize in providing robust coastal insurance tailored to protect your property against the unique challenges of coastal living.

What is Coastal Insurance?

Coastal insurance is a specialized type of property insurance designed to protect homes located in coastal areas. These regions are susceptible to various risks, including hurricanes, tropical storms, flooding, and erosion. Coastal insurance provides comprehensive coverage to ensure your home and investment are protected.

Key Coverage Options

  • Windstorm Insurance: Windstorm insurance covers damages caused by high winds, typically from hurricanes and tropical storms. This coverage is essential for coastal homes that face frequent and severe wind events.
  • Flood Insurance: Flooding is a common hazard in coastal areas. Flood insurance, often provided through the National Flood Insurance Program (NFIP), protects your home from flood-related damages, ensuring peace of mind during heavy rains and storm surges.
  • Hurricane Insurance: Hurricane insurance can be a separate policy or an addition to your standard homeowner’s insurance. It specifically covers damages caused by hurricanes, including wind and water damage, providing comprehensive protection during hurricane season.
  • Erosion Protection: Coastal erosion can significantly impact the foundation and structure of your home. Erosion protection covers damages caused by coastal erosion, helping to maintain the integrity of your property over time.


Coastal areas are significantly more vulnerable to hurricanes and tropical storms. According to the National Oceanic and Atmospheric Administration (NOAA), approximately 40% of the U.S. population lives in coastal counties, and these areas face higher risks of severe weather events.

$25,000 in damages

FEMA reports that just one inch of floodwater can cause up to $25,000 in damage to a home. Coastal homes are particularly prone to flooding due to their proximity to bodies of water.

Why Choose Coastal Insurance?

Comprehensive Protection

Our coastal insurance policies are designed to cover a wide range of potential risks, ensuring your home is protected from the unpredictable nature of coastal weather.

Customized Solutions

We understand that every coastal property is unique. Our insurance experts work with you to tailor a policy that meets your specific needs and budget.

Peace of Mind

With coastal insurance, you can enjoy the coastal lifestyle knowing that your home is protected against the specific risks associated with coastal living.

Protect your coastal home with a tailored insurance policy from Central Jersey Insurance. Our experienced team is here to help you navigate the complexities of coastal insurance and find the best coverage for your needs.

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