The top-rated flood insurance agent in Freehold, New Jersey is StreetSmart Insurance, rated 4.9 stars across 1,332 reviews. Other highly rated options include Prime Time Insurance Agency, Mark Caravaglio at Comparion Insurance Agency, NorthEast Insurance Services. This directory lists 10 flood insurance agents serving Freehold.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | StreetSmart Insurance | 208 South St | (732) 462-8343 |
| 2 | Prime Time Insurance Agency | 22 Center St | (732) 640-1185 |
| 3 | Mark Caravaglio at Comparion Insurance Agency | 303 W Main St #100 | (732) 358-8153 |
| 4 | NorthEast Insurance Services | 4400 US Highway 9 South, Suite 3300 | (732) 972-1771 |
| 5 | Justin Osborne at Comparion Insurance Agency | 303 W Main St #100 | (732) 358-8146 |
| 6 | Ed Hocker - State Farm Insurance Agent | 31 Schanck Rd a | (732) 431-1112 |
| 7 | Farmers Insurance - Eric Fasano | 80 W Main St | (732) 410-4949 |
| 8 | Comparion Insurance Agency | 303 W Main St #100 | (732) 308-3868 |
| 9 | Leigh Agency | 20 Court St #202 | (732) 780-8338 |
| 10 | Brianna Scarlata at Comparion Insurance Agency | 303 W Main St #100 | (609) 915-1186 |
What Does a a Flood Insurance Agent in Freehold Cost?
Typical flood insurance costs in New Jersey range from 700 to 2,000 dollars per year for NFIP policies, but premiums can be higher in high-risk zones or for older homes. Private market policies may offer different rates based on elevation and flood history. Costs vary by property location, coverage amount, and deductible. This is general information, not insurance advice.
About flood insurance agents in Freehold
Flood insurance agents in Freehold, New Jersey help property owners secure coverage through the National Flood Insurance Program or private insurers. Freehold is in Monmouth County, which has areas designated as Special Flood Hazard Areas by FEMA. New Jersey law requires lenders to mandate flood insurance for properties in high-risk zones, so an agent can guide you on compliance and coverage options.
Frequently Asked Questions
Is flood insurance required for homes in Freehold, New Jersey?
Flood insurance is required by federal law if your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage. Even outside high-risk zones, New Jersey law does not mandate it, but many homeowners choose it for protection.
What does a flood insurance agent in Freehold do?
A flood insurance agent helps you assess your flood risk, compare NFIP and private policies, and complete the application. They also explain coverage limits, deductibles, and the 30-day waiting period before most NFIP policies take effect.
How do I find a flood insurance agent near Freehold?
You can search the New Jersey Department of Banking and Insurance website for licensed agents in Monmouth County. Many local independent agencies in Freehold offer flood insurance services and can provide quotes for your specific property.
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