Ask yourself: what would happen if a disaster struck your home tomorrow? Are you confident you're covered for damages — or even total loss? Would you be required to pay out of pocket for repairs?

These aren't hypothetical questions for North Jersey and Jersey Shore homeowners. From nor'easters and flooding to fires and liability claims, New Jersey homeowners face real and serious risks every year. And here's something most people don't realize: major insurance carriers can put a hold on accepting new clients right before a forecasted storm or natural disaster — meaning if you're not already covered, it could be too late.

At RFK Insurance, we take the time to make sure you have the right protection in place long before you need it — so when a crisis hits, you're not scrambling.

A comprehensive homeowners insurance policy protects you from the hazards most NJ homeowners face — both to your property and your personal liability.

💡 Bundle your Home and Auto policies with RFK Insurance for even more savings.

There are important gaps in standard homeowners policies that catch people off guard at the worst possible time. Here's what you need to know:

Sewer Backup
Most standard policies do NOT cover sewer backup unless you purchase a special endorsement. This is a common and costly claim — especially in older North Jersey neighborhoods.
Flood Insurance
A standard homeowners policy does not include flood insurance. For Jersey Shore homeowners especially, this is a critical separate coverage to consider.
Surface & Ground Water
Damage caused by surface water or water flowing below the ground is typically not covered under a standard policy.
Jewelry Limits
Standard policies only cover jewelry up to set limits, and only if the loss resulted from a named peril on the policy.
Actual Cash Value vs. Replacement Cost
Many policies default to actual cash value — meaning if your $1,000 TV is now worth $450, that's all you'll receive. Replacement cost coverage pays what it actually costs to replace your items today. Make sure you know which one you have.

We provide home insurance across North Jersey, the Jersey Shore, and Pennsylvania for all types of properties:

• Frame houses
• CBS homes (Concrete Block Structure)
• Manufactured homes
• Mobile homes on acreage
• Condos
• Townhouses
• Secondary homes
• Rental Property
• Seasonal resident homes

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Contact us today, and we'll help you protect what matters most.