EZ Coastal Homeowners Insurance in New Jersey Protect your home with HOMEOWNERS INSURANCE Because of its coastal location, New Jersey homes have a unique exposure to loss. You can depend on the EZ Coastal Insurance team to get it right, quickly and conveniently. Over 9,000 homeowners in the Mid-Atlantic region turn to Heist Insurance Agency to handle the intricacies of coastal home and flood insurance. Our collective experience in living, working and insuring homes at the coast for over 55 years means you can enjoy the benefits of coastal living without worry. Let's get started! Unique Risks for New Jersey Homeowners Because of their location, coastal New Jersey areas are particularly susceptible to a broad range of natural hazards. Many parts of New Jersey's densely populated coast are highly vulnerable to the effects of flooding, storm surge, erosion, sea level rise, hurricanes and tropical storms. Special Policy Conditions for New Jersey Homes Living in an area affected by frequent hurricanes and tropical storms, such as the Atlantic Coast area, means your homeowners policy will likely have several deductibles. All states bordering the Atlantic Ocean have some form of a special wind deductible. A deductible is the amount you pay before the insurance company pays for a covered loss. You can expect to see a standard deductible, a windstorm deductible and a hurricane deductible. The amount of the deductible may be a flat amount, or more likely will be a percentage of your home's building limit. It's important to check your policy before a loss so you can plan for your out-of-pocket expense should you have damage from a storm.New Jersey homeowners policies will also include sub-limits of coverage for some high risk perils, like mold, water and sewer back-up, freezing pipes and more. Besides location, occupancy also plays a part in risk; many homes are seasonal, rental properties or primary homes. Each occupancy needs a different level of coverage, and markets will vary according to the risk. Your policy may contain special conditions, like keeping heat on or draining pipes if you are away from your home in the winter. If you rent your home, you will need a special endorsement on your policy. Depend on the team at EZ Coastal Insurance to explain all your options clearly and help you choose the coverage that works for you. You can count on us to make insurance EZ! Whether you live in coastal Ocean City, the quaint towns along the Delaware Bay or the urban areas in the north, New Jersey makes a great place to raise a family, work or vacation. New Jersey's bays, rivers and 127 miles of ocean coastline provide recreational opportunities for the enjoyment of New Jersey residents and visitors alike. Over 300,000 acres of tidal wetlands provide breeding and nursery habitat for finfish and shellfish, and act as natural flood and pollution control features. The New Jersey coast boasts everything from the world-class commercial port of New York-New Jersey in the north to natural areas in the south on the Cape May Peninsula and Delaware Bay. At Heist Insurance Agency, we make it EZ to get the protection you need to enjoy the coastal life you've worked hard for. We will put together a policy that is right for you where you live, how you live and when you live at your home.