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Morristown NJ 07960 Luxury, High Value Home Insurance, Affluent Homeowners Insurance, Vacation & Waterfront Property Insurance Flood Insurance.

& E Insurance Agency Won the 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 those homes valued in most cases above 
$1 million depending on the company selected. This isn't the Selling price, MARKET Value or appraised tax value. It's strictly the insurance replacement cost. To illustrate--replacement cost 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, location , paperwork and permits etc. 

For example: A Custom built home with choice custom materials, 5000 square feet with a pool, patio, 3 car garage etc. replacement values can range from 1.1 Million to as much as $2 Million or more for insurance purposes. This value has nothing to do with the market proic 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 you see on TV and the media, 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 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---that's the insurance market right now but we can help you solve this problem and 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 you have a luxury Home in   

Bernards Township    or if your  Waterfront Dream  ​​​Home is a small cottage in Belmar , a 110 Year old Victorian in Stone Harbor or a 10,000 square foot McMansion in RUMSON , a rental home in Lavallette 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,
Click Here  for coverage, so finding the right policy 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. The majority of customers reside in Ocean, Monmouth, Burlington and Atlantic Counties, but we have clients from Alpine to Cape May from Vernon Valley and High Point to Princeton. 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 65 + 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 Consolidated Insurance Agents of NJ  ​​​​​​​​​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. Stock Brokerage services and securities trading through our affiliation with Southeast Investments NC INC., member FINRA/SIPC. We provide a one-stop Solution for Business, Personal and Commercial Needs. We provide Securities trading, IRA Plans, 401K Plans, College 529 Accounts, Mutual Funds, CDs,Tax Free Bonds, Stocks and Option trading Annuities and Investment Plans for Personal and Business needs.  (services through independent entities) ​​

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​You are more than a customer; you are our neighbors, friends and clients. 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 732-899-8177 or email us at 

See our reviews at and

Insurance Today, Smile Tomorrow, Life Happens Be Ready!


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