The top-rated flood insurance agent in Toms River, New Jersey is Kevin Carroll - State Farm Insurance Agent, rated 4.9 stars across 141 reviews. Other highly rated options include Dolly Wasielewski: Allstate Insurance, Arctic Risk Specialists Inc., Frank Valente: Allstate Insurance. This directory lists 14 flood insurance agents serving Toms River.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kevin Carroll - State Farm Insurance Agent | 1410 Hooper Ave | (732) 505-8525 |
| 2 | Dolly Wasielewski: Allstate Insurance | 229 Washington St | (732) 557-6200 |
| 3 | Arctic Risk Specialists Inc. | 1415 Hooper Ave #203 | (732) 372-4348 |
| 4 | Frank Valente: Allstate Insurance | 1841 Hooper Ave Ste B | (732) 240-5050 |
| 5 | BHI Insurance | 240 Main St | (732) 349-2300 |
| 6 | Best insurance Toms River | 231 Main St | (732) 201-8633 |
| 7 | PNA Insurance Services Inc | 104 Mt Ln | (908) 502-7585 |
| 8 | Infinity Insurance NJ | 31 Thomas St | (732) 338-8318 |
| 9 | Vic Hatami Insurance Agency | 1520 NJ-37 | (732) 506-9800 |
| 10 | Mesanko Insurance Agency | 1163 Washington St | (732) 505-0057 |
Kevin Carroll - State Farm Insurance Agent serves the Toms River, New Jersey area, specializing in flood insurance coverage. The agency helps homeowners and renters obtain protection against water damage from rising waters in flood-prone zones. It guides clients through policy options, helping ensure properties are safeguarded against potential losses. As a local agent, it provides personalized assistance with policy selection and claims support during flood events. Its services include evaluating flood risk levels and securing supplemental flood insurance policies for residential properties.
Dolly Wasielewski: Allstate Insurance provides personal flood insurance guidance and policy options for property owners. The agency assists clients in understanding their flood risk and selecting appropriate coverage levels to protect against potential water damage. Services include policy reviews, claims support, and annual coverage evaluations to ensure plans remain adequate as needs change. The company services single-family homes, apartments, retail businesses, and restaurants throughout the Toms River area.
Arctic Risk Specialists Inc. serves Toms River, New Jersey, and the surrounding coastal communities. It handles flood insurance policies for residential and commercial properties, addressing risks common to this flood-prone region. The company helps clients understand National Flood Insurance Program requirements. It reviews each property’s specific flood zone, elevation, and coverage needs to recommend an appropriate plan. Its approach involves a thorough assessment of the client’s situation, followed by clear explanations of policy options to ensure informed decisions.
Frank Valente: Allstate Insurance serves homeowners, businesses, and property managers in Toms River, New Jersey, by providing flood insurance policies tailored to the area’s coastal risks. The office helps clients assess their coverage needs for storm surge and heavy rain events. Policyholders receive guidance on federal flood program requirements and private insurance options. The agency also assists with claims support and policy adjustments as property values change. In addition to serving Toms River, it covers neighboring communities such as Seaside Heights along the Barnegat Peninsula.
BHI Insurance in Toms River, NJ, offers both one-time and recurring service options to address flood insurance needs. One-time policies provide coverage for a single property or short-term risk, while recurring plans ensure ongoing protection against flood damage. Flood insurance from a local agent covers structural repairs and contents replacement after storm surges or rising water. Service in this area includes personalized risk assessment and policy selection to meet varying property requirements. Coverage runs on a one-time basis for single-use applications or as scheduled annual renewals for ongoing flood protection needs.
Best Insurance Toms River offers dedicated flood insurance agent services for property owners seeking coverage against water damage. It assists clients with obtaining policies that protect homes and businesses from flooding risks common in coastal New Jersey. The company guides customers through flood zone assessments and policy options tailored to their property’s specific needs. This local agency helps residents prepare for hurricane season, ensuring adequate coverage before major storms arrive.
As coastal storms and seasonal flooding threaten homes throughout Ocean County, PNA Insurance Services Inc in Toms River, New Jersey, provides professional flood insurance agent services. They help residential and commercial property owners navigate federal and private flood coverage options relevant to the local floodplain risks. Understanding the area’s frequent weather patterns, the company assists clients in reviewing their property’s specific exposure. Their process typically begins with a thorough inspection and initial assessment of the building’s flood zone status and elevation requirements.
Infinity Insurance NJ offers residential flood insurance services in Toms River and the surrounding area, helping homeowners protect their properties against water damage from storms and rising tides. Commercial flood coverage is also available for local businesses seeking financial security during severe weather events. The agency assists clients through the entire claims process and provides policy reviews to ensure adequate coverage. Return visits are scheduled as part of regular updates to address changing risk levels and coverage needs.
Vic Hatami Insurance Agency in Toms River, New Jersey, assists property owners in managing financial exposure from water-related disasters. The agency specializes in flood insurance coverage, addressing risks from severe storms and rising waters common to coastal areas. Policies can be tailored to protect residential dwellings and their contents from flood damage. Commercial enterprises can also consult the agency regarding customized flood protection solutions for their specific operational needs, including offices, warehouses, and food service establishments.
Mesanko Insurance Agency, located in Toms River, New Jersey, is known for providing flood insurance coverage to both homeowners and commercial property owners in the region. The agency assists clients in navigating the complexities of the National Flood Insurance Program and private flood options. It serves properties along the Jersey Shore and inland areas susceptible to storm surge and heavy rainfall. The agency can also add a supplementary contents coverage policy for personal belongings not included in standard flood plans.
What Does a a Flood Insurance Agent in Toms River Cost?
Typical flood insurance costs in New Jersey range from 700 to 2,500 per year for NFIP policies, but rates can be higher for high-risk properties or those in V zones. Private market policies may offer different pricing and higher limits. Costs depend on flood zone, building elevation, and coverage amount. This is general information and not insurance advice.
About flood insurance agents in Toms River
Flood insurance agents in Toms River help property owners navigate the National Flood Insurance Program and private market options. New Jersey law requires flood insurance for properties in high-risk zones if they have a federally backed mortgage. Toms River is located in Ocean County, which has many areas designated as Special Flood Hazard Areas due to coastal and riverine flooding risks.
Frequently Asked Questions
Do I need flood insurance in Toms River New Jersey?
If your property is in a high-risk flood zone and has a federally backed mortgage, flood insurance is required. Even in moderate-risk zones, many homeowners choose coverage because storms can cause flooding outside mapped zones.
How does a flood insurance agent help in Toms River?
A flood insurance agent can assess your property risk, explain coverage options under the NFIP or private insurers, and help you complete the required elevation certificate. They also assist with policy renewals and claims filing.
What is the waiting period for flood insurance in New Jersey?
Standard NFIP policies have a 30-day waiting period before coverage begins. Exceptions apply for new home purchases or if you are refinancing and the lender requires coverage. Private flood insurance may have different waiting periods.
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