eastern insurors
eastern insurors



680 Branch Avenue - Little Silver NJ 07739

Flood Insurance

According to the National Flood Insurance Program (NFIP), more than 50 percent of properties in high-risk areas in the United States remain unprotected by flood insurance.  Between 20 percent and 25 percent of all flood claims come from low-risk areas throughout the country.  All properties are subject to flooding.  And all properties are in some kind of a flood zone.  Homeowners insurance and business insurance policies DO NOT provide insurance coverage for flood damages. The risk of flooding is not subject to flood zones alone. McCue Captains agency will help you to obtain an affordable flood insurance policy backed by the federal government’s National Flood Insurance Program (NFIP).

The NFIP is limited to a maximum of $250,000 worth of coverage on the dwelling and $100,000 on contents.  It is available through the Federal Government and the premiums are subsidized, with the higher the risks demanding higher premiums.  Excess Flood is available in the open market without subsidies.

There are many factors used in rating an NFIP policy and it is certainly not the type of coverage to purchase without the help of a professional Trusted Choice Agent.  While pricing will be the same with all NFIP policies, mistakes can be made in the rating of these policies that could cause an overpayment of premium or lack of coverage at the time of a claim.

McCue Captains is an independent insurance agency established in 1927.  We service clients primarily in New Jersey, but we are licensed in many other states as well.  Give us a call at 732-842-0444 to discuss your current needs or fill out the short contact information below and we will contact you.

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680 Branch Avenue
Little Silver NJ 07739
(732) 842-0444(p) - (732) 576-1865(F)
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