John B. Wright Agency, A Division Of Oliver L.E. Soden Agency Corp.
64 Union Ave, # 71, Manasquan, NJ 08736
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64 Union Ave, # 71, Manasquan, NJ 08736
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2517 NJ-35 Bldg D, Suite 202, Manasquan, NJ 08736
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2517 Highway 35 Bldg D, Suite 202, Manasquan, NJ 08736
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Manasquan residents.
Manasquan homeowners need both standard home insurance and flood coverage. Learn about coastal insurance costs, hurricane deductibles, and required protection.
Car InsuranceManasquan drivers navigate NJ's no-fault system with customizable PIP options. Learn about 2026 changes, Right to Sue choices, and how to save on coverage.
Complete insurance guide for Manasquan residents. Learn about NJ auto requirements, coastal home coverage, flood insurance needs, and money-saving tips.
No, standard homeowners insurance policies specifically exclude flood damage. You need a separate flood insurance policy to cover water damage from storm surge, heavy rain, or river overflow. This is true throughout New Jersey and the entire United States—flood coverage is never included in standard homeowners policies.
The New Jersey average for flood insurance is around $1,011 annually, but your actual cost depends on your specific flood zone, home elevation, and coverage amount. Homes in high-risk zones or below base flood elevation typically pay more. Through the NFIP, you can get up to $250,000 in building coverage and $100,000 in contents coverage.
Flood insurance isn't legally required by the state, but if you have a mortgage and your home is in a Special Flood Hazard Area (SFHA), your lender will require it. Since over 90% of Manasquan sits in some type of flood zone, most homeowners with mortgages must carry flood coverage as a condition of their loan.
A hurricane deductible is a separate, higher deductible that applies when damage is caused by a named hurricane. In coastal New Jersey, these are typically percentage-based—usually 2-5% of your dwelling coverage amount rather than a flat dollar amount. For a $400,000 home with a 5% hurricane deductible, you'd pay the first $20,000 of covered damage out of pocket.
Properties closer to the coastline face higher risks from hurricanes, nor'easters, wind damage, and storm surge. Insurance companies price these risks into their premiums, meaning homes within 1,500 feet of the shore typically pay significantly more than the state average—often exceeding $2,000 annually. Distance from the coast is one of the primary factors insurers use to calculate your rate.
No, NFIP flood insurance policies have a mandatory 30-day waiting period before coverage begins. You can't purchase flood insurance when a storm is approaching and expect immediate protection. This waiting period is why insurance professionals recommend buying flood coverage well before hurricane season begins, not when you see a storm forecast approaching the Jersey Shore.
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