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Tropical Storms, Florida and NJ: What’s the Insurance Connection?

Hurricanes, Flooding and Storm Surging

Katrina; Irene: Sandy; Ingrid; Erika - now Emily?

Tropical Storm Emily is expected to blister across some of the most vulnerable areas of the Florida Peninsula.

Are You Prepared?

As those residing between Florida and the Georgian coast brace themselves for possible flooding, New Orleans and neighboring areas solemnly prpeare to commemorate the twelfth anniversary of Hurricane Katrina and the unprecedented devastation that it wrought. The joint events leave Americans holding the mirror of truth to their faces: have we learned the lessons to confront tropical storms? Larry Greenemeier’s Augurst 27th article, Is the US Ready for the Next Hurricane Katrina, is revealing.


But there is another question that each individual living along the Garden State’s shoreline should ask: How can a standard NJ Homeowners Insurance policy be upgraded so that it protects from financial ruin in the event of a damaging hurricane?

The only way to prepare is by having adequate coastal insurance. Following Sandy, NJ’s coastal areas have much in common with FL, Texas and other regions that sit close to the water’s edge or are prone to wind and hail storms. 

Since Sandy, Deal, Long Branch, Toms River, Manahawkin and other townships within the NJ shore area are considered part of a ‘storm exposed area’. With the classification comes the need to address serious issues related to insurance coverage.

PRIME Insurance Provides NJ Coastal Insurance

PRIME Insurance offers the unique guidance that you need. Appointed to do direct business with tens of the leading insurance companies, PRIME uses these resources to locate the right coverage at the right quote for NJ, NY, PA, MD, FL, TX and anywhere across the nation.

As storm season brews, PRIME offers the peace of mind that comes with knowing you have a fitting Homeowners Insurance NJ policy – that includes coastal protection*. For more on the topic, reach out to us HERE or contact us at PRIME [at] primeins [dot] com; 732-401-5242.

*There is a 30-day waiting period on purchasing flood insurance


Summary: We’ll never forget the devastation of Hurricane Katrina, Sandy and those like them. For those within the path of Tropical Storm Emily, there is fear of flooding. Though we can’t change Mother Nature’s course, there are proactive steps we can take to protect us from the financial devastation should a major storm hit. Let PRIME Insurance show you how coastal insurance can protect you from tempest’s wrath.


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