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Mantoloking NJ High Value Affluent Homeowners Insurance, NJ Coastal Home Insurance,NJ Vacation, Mantoloking NJ Waterfront Home Insurance, Mantoloking NJ 08738 Home Insurance.

& E Insurance Agency Won the Service Award for 2015 and 2014 Five Star Home/Auto Insurance Professional Award as featured in NJ Monthly Magazine March 2014 see

​​​​​High Value, Affluent Homeowners Insurance is specifically tailored to the unique needs of Homeowners whose homes are valued in most cases above $1 million to as much as 15 million and more depending on the company selected. Again this isn't the selling price, MARKET Value or appraised tax value.

It's strictly the insurance replacement cost. To illustrate, the replacement cost of this type of home can be calculated by the square footage multiplied by a cost factor, In today's market , the cost per square foot to rebuild could be anywhere from $180 to as much as $300 per square feet or more, depending on materials style, etc. For example, a Custom built home with custom materials thats 5000 square feet with a pool, patio, 3 car garage etc. should be insured for replacement values in a range from 1.1 Million to as much as $2 Million or more for insurance purposes.  Again this has nothing to do with the market value or selling amount an owner may receive. The owner may even sell this property well be above that, but is not related to the insurance replacement costs. The final replacement insurance value will be determined usually by an outside independent property inspector.
Some of these affluent homes are also located on or near the waterfront, The Coast, Rivers, Lakes  on or near the beach. And that makes those homes prone to underwriting issues that prevent the most common Insurance companies from offering coverage. The majority of NJ appointed Insurance companies have 3-5 Mile exclusions, meaning they will not insure homes anywhere in that 3-5 mile range from water! 
And the wind and Hurricane deductibles could be 1% to 5%. So if your 1 million dollar home has a 5% wind deductible, You would have to shell out $50,000 for wind and or hurricane damages before the insurance company gets you the first dollar.

If your home is 3 miles from a river lake or beach, it can still be classified as waterfront and thus uninsurable with those Voluntary companies you may know from TV or print media.--- Yes it is confusing----but that's the insurance market right now and we know it and we can help you solve this problem. Thats why at I & E Insurance Agency we specialize in High End and Waterfront property Insurance, We provide solutions, just call.

I & E Insurance Agency is your one stop solution for all your COASTAL Insurance needs. We have Insurance Carriers that are insuring homes, and properties from the Barrier Island beach front to the 3-5 mile range that most companies exclude.

It doesn't matter whether your Waterfront Dream Home is a small cottage in Belmar or a 10,000 square foot McMansion in Rumson,  a rental home in Lavalette or a ocean view condo in Atlantic City, we can get the right insurance policy for you and your family! 

And in some cases, we can package insurance needs such as home, boat, flood, primary and vacation coverage all together.
Lost your current provider? We write NEW policies for coastal coverage, so finding the right coverage and carrier for your unique needs is easy. Its our Job!

Buying a New House?  Congratulations!  We can work with your Realtor, Attorney and Mortgage Company to make sure that your closing goes smoothly. Just  
Click Here  and we'll get you a quote immediately.

I & E  Insurance Agency is an independent family owned and operated Agency serving all of NJ. We serve clients from Mantoloking NJ to  Alpine to Cape May and from Vernon Valley, High Point to Princeton. Many of Our customer have multiple homes, Autos, Boats and Business polices with us and find that a one call can provide full service and solutions,  saving them time and money.

Our Principals (2) have over 70+ years experience.
As a Trusted Choice® Agency  we provide a full range of Insurance for Business, Personal and Commercial clients. 

Additionally, through our affiliation with ANE networks 
we offer all the strength and power of a Country-wide agency, but with the personalized service and Old fashion charm of a local store.

We're here to help when you need us most.

If you have any questions or would like to set up an appointment with us call 732-295-5584 or email us at 

See our reviews at and

Insurance Today, Smile Tomorrow, Life Happens Be Ready!


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