Standard New Jersey homeowners and renters policies exclude flood. See when lenders require flood insurance, NFIP limits, costs and the state disclosure rules.
New Jersey's 2023 average HO-3 premium was $1,560, below the $1,731 national figure. See what a standard policy covers, what it excludes and why rates rise.
New Jersey renters insurance averaged $177 in 2023. See what an HO-4 policy covers and excludes, why flood is separate and when a landlord can require it.
Pennsylvania flood insurance is priced per property under Risk Rating 2.0. Home policies exclude flood, and NFIP homes top out at $250,000 for the building.
Pennsylvania law does not require homeowners insurance, but most lenders do. See what a policy covers, the 2023 average premium and the cancellation rules.
Pennsylvania does not require renters insurance statewide, but a landlord may. See what a policy covers, the $184 average premium and the claim deadlines.
A burst pipe or sudden appliance leak may be covered; slow leaks, sewer backup and flood are treated differently. See what to do now and what to ask your agent.
Homeowners insurance may pay for a roof damaged by wind, hail or a falling tree, but not one that is simply old. See how valuation, deductibles and age apply.
Homeowners insurance may cover mold after a sudden, covered water loss like a burst pipe. Mold from slow leaks, humidity or flood is often limited or excluded.
Virginia homeowners insurance covers the house, belongings and liability but generally excludes flood and earth movement. See wind deductible and notice rules.
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