Insuring Your Jersey Shore Home: What Every Secondary Homeowner Needs to Know
Published by BIS Improved Insurance | Morris Plains, NJ
Whether your beach house in Lavallette is a family retreat or your Long Beach Island property is a summer rental, having the right shore home insurance is critical to protecting your investment.
Here’s what Morris County residents should know before insuring a secondary or vacation home at the Jersey Shore:
🌬️ Key Risks for Jersey Shore Properties
Long vacancy periods increase exposure to vandalism, leaks, and weather damage
Coastal properties face higher risks from wind, hurricanes, and flooding
Standard home insurance often isn’t enough
🛡️ Essential Coverages for Your Shore Home
✔ Windstorm & Hurricane Coverage – Often requires a separate deductible
✔ Flood Insurance – Not included in homeowners insurance; we offer both FEMA and private options
✔ Liability Protection – Especially if you rent or host guests
✔ Water Backup Coverage – For sump pump or sewer issues
✔ Vacancy Endorsements – Needed if the home is empty for long periods
✔ Replacement Cost Coverage – Ensures full rebuild, not depreciated value
🏢 Who Will Insure Your Shore Property?
At BIS Improved Insurance in Morris Plains, NJ, we work with:
National and regional carriers
Surplus lines for high-risk coastal areas
Private and federal flood programs
Tailored policies for seasonal rentals
No call centers. Just local agents who care about protecting your home.
📍 Why Choose BIS Improved Insurance?
We serve homeowners across Morris Plains, Morristown, Roxbury, Randolph, and all of Morris County. With decades of experience and access to specialty coastal markets, we’ll help you:
Understand your risks
Compare quotes across multiple carriers
Customize coverage to protect your Jersey Shore property
💬 Let’s Talk Shore Home Insurance
Contact BIS Improved Insurance for a quote or policy review:
📞 Call us at 973-683-1000
🌐 Visit www.bisrm.com
For a quote CLICK HERE
For a Flood quote CLICK HERE
Your shore home deserves peace of mind—we’re here to make sure you have it.
