Storm surges and flooding affected large parts of the state. Over 2 million residents lost power for about a week, 346,000 homes were damaged or destroyed and 38 people died. 29, 2012, will never be forgotten as it is the worst natural disaster in state history.
The storm also produced two tornadoes near Strathmere and Bryant Beach.īut Hurricane “Superstorm” Sandy, which made landfall during high tide on Oct. In some areas, it rained as much as 7 inches. For example, Tropical Storm Isaias had winds as strong as 70 mph, which knocked out more than 1.3 million power lines. New Jersey’s warm coastal waters can fuel severe storms due to warm seas adding more vapor in the air. The most common disaster New Jersey homeowners have to endure is severe storms. New Jersey has dealt with a variety of declared disasters, including fires, droughts and floods. It’s important to thoroughly read your homeowners insurance policy to understand what is excluded from coverage. Home insurance policies typically exclude acts of war, earthquakes, sinkholes, normal wear and tear, intentional loss, nuclear hazard, floods, vermin and insect infestations. What’s Not Covered by New Jersey Homeowners Insurance? In that case additional living expenses coverage pays for costs like pet boarding services, hotel rooms, meals, laundry and other necessary services.Ĭompare rates from participating partners via EverQuote's website. Additional living expenses: This covers costs if you can’t live in your home due to a problem covered by your policy, such as a tornado.For example, if a friend trips on a broken step, this section of your policy would help cover their medical payments. This is covered no matter who is at-fault for the injury.
Medical payments to others: This covers minimal medical claims (usually under $1,000) made by a non-household member.For example, if your dog bites a delivery driver, your liability insurance can pay for a court judgment against you, legal defense costs and a settlement. Liability: This pays for injuries and property damages you accidentally do to others.Personal property: This covers individual items that you own, such as rugs, furniture, appliances, jewelry and non-business tools.Other structures: Property that is not attached to your home (shed, in-ground pool, fence) is covered under this type of home insurance. Dwelling: This covers your home and any attached structures (like a deck or garage).Homeowners insurance policies are typically broken down into the following categories: Tornadoes, smoke, explosions, aircraft and theft are just a few of the problems covered by home insurance. Your belongings (personal property) are covered for specific “perils” (problems) in a standard home insurance policy.
Common exclusions found in home insurance policies include earthquakes, floods, sinkholes, power failure, normal wear and tear, war, and vermin and insect infestations. What Does New Jersey Homeowners Insurance Cover?Ī standard home insurance policy (sometimes called an HO-3) covers your house for any problems that are not excluded from your policy.
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