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Tinton Falls NJ 07724 Homeowners Insurance, 07724 Luxury-High Value Home Insurance, Affluent Homeowners Insurance 07724 , Vacation Home Insurance 07724, Tinton Falls NJ  Flood Insurance.

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

I & E Insurance Agency winner
One of the Top 3 Best Insurance
Agencies of Ocean County
4 out of the last 5 years, 2015,2012.2011
Winner--- "Best of the Best " 2014
In the Asbury Park Press Readers Choice Awards...

​​​​​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 is strictly the insurance replacement cost, not market value.

To illustrate--replacement cost can be calculated by the square footage
multiplied by a cost factor--today's market cost per square foot to rebuild
could be anywhere from $160 to as much as $300 per square feet or more, depending on materials style, location ,
paperwork and permits etc. 

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. 

Confusing ? That's the Insurance market right now ---we can help answer your questions
I & E Insurance Agency is your one stop solution for all your Insurance needs.
We also have Coastal 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 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 Consolidated Insurance Agents of NJ 
http://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 neighbor store. 

Stock Brokerage services and securities trading through our affiliation with Southeast Investments NC INC., member FINRA/SIPC.  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) ​​

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​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  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!


Looking for coverage? Click below to request a quick, accurate and affordable rate.

I & E Insurance Agency | 2900 Route 88 | Point Pleasant, NJ 08742 | Phone: 732-295-5584 | ineagency@gmail.comPowered by Insurance Website Builder

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, accountant or your own financial advisor. EMC Insurance Agency & Financial Services LLC dba I & E Insurance Agency & Financial Services is an Independent Insurance Agency, a Member of the Trusted Choice , Independent Agents of America and member of the ANE Network of Independent Insurance Agents, contact your own advisors before making any decision.

Services offered through independent NON-AFFILIATED ENTITIES

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