Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New Jersey before hiring.
Showing 6 flood insurance agents in Garfield, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Dani Candelario - State Farm Insurance Agent
24 Outwater Ln, Garfield, NJ 07026
(973) 330-5388
askdani.com
Insurox
400 River Dr, Garfield, NJ 07026
(973) 546-1099
insurox.com
Imperial Agency, Inc.
60 Outwater Ln, Garfield, NJ 07026
(973) 546-9567
imperial79.com
North Jersey Insurance Group
358 Midland Ave, Garfield, NJ 07026
(201) 773-8989
njinsgrp.com
Farmers Insurance - Christos Hatzis
303 Semel Ave Suite B, Garfield, NJ 07026
(201) 272-1200
agents.farmers.com
skalinsurance
361 County Rd 67, Garfield, NJ 07026
(973) 471-0900
What Does a Flood Insurance Agent in Garfield Cost?
The average cost of flood insurance in New Jersey is around $700 to $1,200 per year for an NFIP policy, but rates vary by property elevation, flood zone, and coverage amount. In Garfield, premiums may be higher for homes in Zone AE or near the Passaic River. Private flood insurance can cost more or less depending on risk. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a flood insurance agent in Garfield 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 for NFIP policies.
Is flood insurance required in Garfield New Jersey?
Flood insurance is not required by New Jersey state law, but it is mandatory if your property has a federally backed mortgage and lies in a FEMA-designated high-risk flood zone. Garfield has several areas in Zone AE where this requirement applies.
How do I choose a flood insurance agent in Garfield?
Look for an agent licensed in New Jersey with experience in NFIP policies and private flood insurance. Ask about their knowledge of local flood maps and elevation certificates, which are often needed for accurate quotes.