Take a few minutes to read the attached FAQ and let us know if any changes need to be made to your current flood insurance program or if you would like to discuss a new flood insurance policy: ccw@ccwinsurance.com

Flood Changes 10 09 FAQs (pdf)

CCW Has You Covered

Personal insurance includes everything from home to health. Wondering what’s right for you and your family? CCW Insurance Advisers are here for you, and we’ll help you explore a wide range of options from the very best insurance companies.

We’ll be here when you have a question or need to make a claim. We’ll call our industry contacts on your behalf. And that makes a big difference when it comes to service – not to mention affordability.

So, what do you need? A NJ car insurance policy personalized just for you? Or your teen? Coastal homeowners insurance for your Jersey Shore home —  including flood insurance? Or a high value homeowners insurance package – for those owning multiple homes or homes with a replacement cost of $1 million or more?

Whether it’s a single policy or multiple coverage options (which often spells big savings), we’re here to help you find great insurance protection for your and your family at competitive prices.

The CCW Difference

• Clear the online clutter! As independent Insurance Counselors, we research the best options and personally guide you, saving you hours of research and worry.
• Find experts who have time for you. You’re worth much more than 15 minutes! From choosing policies to making claims, we spend as much time as it takes to make insurance easy again.
• Get an “in” with insurance companies. We’ve spent over 80 years developing strong relationships. Let them benefit you, from covering your shore home to combining policies for great rates on auto, home, life, and more.

Take a look:

• Damages
• Injuries
• Accidents
• Vandalism or theft

Next to your home, your car is probably your biggest investment. We’ll show you how to keep it protected.

Classic Cars
Your classic car is your baby, and choosing the right coverage is important. We’ve analyzed policies from many companies to find the best policies out there. CCW will help you keep your irreplaceable beauty safe and sound with classic car coverage that protects your special investment, both on the road and off.

Get in touch. We’re here to keep you on the road with coverage that works for your lifestyle and needs.

Get Quote for Progressive and Selective Auto Insurance

Get Quote for Auto Insurance

1. Everyone lives in a flood zone.
You don’t need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc.

2. Flood damage is not covered by homeowners policies.
You can protect your home, business, and belongings with flood insurance from the National Flood Insurance Program. You can insure your home with flood insurance for up to $250,000 for the building and $100,000 for your contents.

3. You can buy flood insurance no matter what your flood risk is.
It doesn’t matter whether your flood risk is high, medium, or low, you can buy flood insurance as long as your community participates in the National Flood Insurance Program. And, it’s a good idea to buy even in low or moderate risk areas: almost 25 percent of all flood insurance claims come from low- to moderate-risk areas.

4. There is a low-cost policy for homes in low- to moderate-risk areas.
The Preferred Risk Policy is available for just over $100 a year. You can buy up to $250,000 of coverage for your home and $60,000 of coverage for your contents.

5. Flood insurance is affordable.
The average flood insurance policy costs a little more than $300 a year for about $100,000 of coverage. In comparison, a disaster home loan can cost you more than $300 a month for $50,000 over 20 years.

6. Flood insurance is easy to get.
You can buy NFIP flood insurance from private insurance companies and agents; call yours today! You may be able to purchase flood insurance with a credit card.

7. Contents coverage is separate, so renters can insure their belongings too.
Up to $100,000 contents coverage is available for homeowners and renters. Whether you rent or own your home or business, make sure to ask your insurance agent about contents coverage. It is not automatically included with the building coverage.

8. Up to a total of $1 million of flood insurance coverage is available for non-residential buildings and contents.
Up to $500,000 of coverage is available for non-residential buildings. Up to $500,000 of coverage is available for the contents of non-residential buildings.

9. There is usually a 30-day waiting period before the coverage goes into effect.
Plan ahead so you’re not caught without flood insurance when a flood threatens your home or business.

10. Federal disaster assistance is not the answer.
Federal disaster assistance is only available if the President declares a disaster. More than 90 percent of all disasters in the United States are not declared by the President. Flood insurance pays even if a disaster is not declared.

Learn more about flood insurance

You’re home is much more than a place to live. It’s where life happens. Whether you’re moving into your very first house or enjoying your shore retreat, bring peace of mind home with a homeowner’s policy that protects your home, family, and belongings.

Property & Liability
All homeowner’s policies cover two important areas: property and liability.

• Property: Covers your structures and possessions.
• Liability: Covers you if you are legally obligated to pay money to another person for actions caused by you, your family, or your property. Liability also extends to medical payments to others for injuries caused by you or your family.

Shore Homes
Shore home insurance requires a special touch, and we’re known far and wide as the go-to source for the best coverage the market has to offer. We’ve done our homework and we know what’s out there. Even if you’re right on the beach, we’ll walk you through options to protect your investment…so you can get back to enjoying your home away from home.

Get in touch. We’ll help you find a homeowner’s policy that keeps you protected.

Want a healthy outlook on the future? Personal health insurance protects your most important possession, whether you’re looking for a primary policy or supplemental health coverage.

CCW Insurance Advisors continually research the latest health coverage developments, and we know where to go for health policies that combine essential coverage with affordability.

Get in touch. Not only will we seek out the best health insurance policy for your needs – we’ll make sure you understand exactly what you’re getting.

Get NJ Individual Health Insurance

When you really think about it, life insurance is for the living! It’s an investment that protects your loved ones even when you’re not there.

Let CCW help protect your family with the right life-insurance products. Whether you need term insurance to cover short-term obligations, or universal or whole life for estate planning, we’ll show you how to provide security and peace of mind for the entire family.

• Affordable comprehensive plans
• Quick and easy application process
• Specialized need analysis for family, estate, and business planning
• A choice of top insurance companies, all “A”-rated or better

Get in touch. We’ll help you design an affordable program that provides just the amount of protection your family needs.

You never know what Mother Nature will bring, and flood insurance protects you in the case of the unexpected. Underwritten by the federal government through the NFIP (National Flood Insurance Program), flood insurance is administered by numerous insurance companies. At CCW, we only partner with the most responsive carriers – the ones that will be there to help if you need to make a claim.

Many people don’t know that flood insurance is available to everyone. It’s also extremely affordable if you’re in a “non-high-risk” area. (To find out what your risk level is, just give us a call.)

Get in touch. No matter where your property is located, flood insurance is a safe bet.

Top Ten Flood Facts

October 2009: Important Changes to Flood Insurance

When you’re out on the water, things like insurance can seem a million miles away. But in reality, a great marine insurance policy is the best investment in your next voyage. When you’re covered, you and your boat are protected from accidents or damages from bow to stern.

CCW Insurance is centrally located right at the Jersey Shore. We’ve also been developing contacts across the insurance industry for more than 80 years, which makes great coverage our specialty.

Get in touch. With a range of marine-insurance options, we’ll steer you in the right direction.

Your recreational vehicle is more than a way to get around. It’s about joy, fun, and freedom. And it’s even better when you have a quality insurance policy that keeps you safe.

Whether you’re cruising the highway or deep in the woods, CCW will deliver insurance policy options that protect you and your recreational vehicle. We have contacts across the industry, and we’re able to pick and choose the policies that put your needs first.

Get in touch. Proper insurance is the #1 way to enjoy your investment for years to come.