New Jersey Tornado Insurance

How to Find New Jersey Tornado Insurance

Find the right tornado insurance policy for you.

While New Jersey is not typically among the top American states for tornado damage, the fact is that the entire country is vulnerable. Tornadoes occur in the U.S. more frequently than in any other country on Earth. We also get more of the most violent EF4 and EF5 rated storms than anywhere else. The western half of NJ is especially vulnerable with an average of three reported tornadoes each year. If you do not already have New Jersey tornado insurance, it may be time to talk with an agent about the protection you need.

One good way to confirm you have adequate protection is to get in touch with a nearby independent insurance agent in our network. These professionals are not affiliated with one specific insurance company, which means they can provide you with multiple New Jersey tornado insurance quotes from several different companies. Contact a local member agent today to be certain you have the best possible coverage at the best possible price.

New Jersey Tornado Statistics

  • Peak tornado season for New Jersey is July through September
  • New Jersey averages a relatively high 4.02 tornadoes per 10,000 square miles
  • Most tornadoes in New Jersey are spawned by hurricanes
  • 65 died during a violent tornado in neighboring Pennsylvania in 1985

Severe storms, including hurricanes and tornadoes, can damage cars, RVs and boats as well as your home and property. When you are looking for New Jersey tornado insurance, remember these items as well. For example, if you do not have comprehensive auto insurance, your car is exposed to complete or partial loss in a catastrophic storm, even if your home has protection.

How a Tornado Insurance Policy Works

New Jersey tornado insurance coverage is usually part of any standard homeowners policy. It is also covered under most renters policies to protect all contents on the premises. There are different levels of coverage and insurers use varying methods to determine coverage and costs. An agent can help answer any questions you may have. Generally, homeowners policies will cover you against tornado damage, including the following:

  • Damage to your home, which covers repairs and/or replacement
  • Damage to or loss of your possessions
  • Temporary living expenses in the event you must relocate during repair or reconstruction
  • Limited medical costs

Some items such as expensive electronics and valuable collections of art or coins may require an additional rider, which is an addendum to your policy. It is always best to keep records of all of your possessions that are maintained within the covered premises. A good way to do this is to take updated photos or videos of everything you own and keep those stored in another location.

Types of Home Coverage Available

When it comes to either your home or the contents, there are two types of policy coverage options available:

  • Actual cash value: Also known as ACV, this type of protection allows you to be reimbursed for your possessions minus depreciation. With ACV, the reimbursement will never match the price of a new replacement. Depreciation factors can range from 10 percent to 100 percent and are applied to all items.
  • Replacement cost: This type of policy coverage requires a higher annual premium, but you will be reimbursed for the equivalent current market value amount needed to replace all of your items as new.

You should also be aware that there might be policy limitations on the coverage amounts. Depending on the policy, this might apply to everything you own. Also, if the damage is caused by flooding, shifting land, or several other natural disasters, New Jersey tornado insurance and homeowners policies typically will not provide coverage. Be sure to talk with your agent about flood insurance, as this is a separate policy.

Finding the Best New Jersey Tornado Insurance

The possibilities of sustaining damage from a tornado in New Jersey are real. Many meteorologists are warning that climate change may accelerate the frequency and intensity of tornadoes throughout the country. The time to gain a good understanding of your current NJ tornado protection is before you need to use it. A local independent agent in our network can help you with the various aspects of tornado insurance. Your agent can advise you regarding your options and provide New Jersey tornado insurance quotes if needed. 

Find a local member agent today to get a better understanding of tornado insurance and how best to protect your home, personal possessions, and family.

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