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Manasquan NJ 08736 High Value-High End Home Insurance, 08736 Affluent Homeowners Insurance, Manasquan NJ Coastal Home Insurance, Manasquan NJ  Vacation Insurance , Manasquan NJ Flood Insurance, 08736 Coastal Home Insurance, Manasquan NJ Beach Front Home Insurance.

I E Insurance Agency two time winner of the NJ Monthly Magazine/Five Star Home/Auto Insurance Professional Award 2014 and 2015www.njmonthly.com    

Allow us to Help You  Click Here for
      Fast Quote


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I & E Insurance Agency has been named
One of the Top 3 Best Insurance Agencies
for the 5th Time in the last 6 years
2016-2011 
Ocean County NJ, 
annual  Asbury Park Press Readers Choice Awards.

Call us for Fast Personalized Service.

Click Here for Fast Quote

Own a High Valued Home?
Well, Affluent Homeowners Insurance is specifically
tailored to the unique needs of those homes valued
in most cases above $1 million.
This isn't the MARKET Value or appraised tax value.
It's strictly the insurance replacement cost.      
​​​Click Here for Quick Quote!

Replacement Cost-calculated by the square footage of Home TIMES a cost factor,
Today's market 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, paperwork etc. 

Thus a custom home 5000 square ft.  at $240 per foot = 1.2 million replacement value for insurance purposes. The final replacement insurance value  is  determined by an outside independent inspector.
 
And if your home is located on or near the waterfront, rivers, lakes, or near the beach, you have another problem, high Hurricane deductibles and limited companies interested insuring your home. The majority of NJ appointed Insurance companies have 3-5 Mile exclusions-they will not insure homes anywhere in that 3-5 mile range from water!  And those that do may have wind and Hurricane deductibles of 2 to 5%. So if your $1 million dollar home has a 5% wind deductible, You may have to shell out $50,000 for wind and or hurricane damages before the insurance company pays you the first dollar!

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. 
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, Click Here  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.  Many of Our customer have multiple homes, Autos, Boats and Business polices with us and find that a one- call for service and solutions can save them time and money.

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

Additionally, through our affiliation with WWW.ane-agents.com
we offer all the strength and power of a Country-wide agency, but with the personalized service and Old fashion charm of a local corner agency.

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  email us at  ineagency@gmail.com 

See our reviews at  www.yahoo.com www.google.com  www.facebook.com  www.yb.com  www.yelp.com 
www.merchantcircle.com  www.manta.com and www.NJ.com


Insurance Today, Smile Tomorrow, Life Happens Be Ready!

 

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