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Some of these affluent homes are also located on or near the waterfront,
I & E Insurance Agency repeats- winning the 2015 and 2014 as One of NJ's Best Insurance Agents in the NJ Monthly Magazine/Five Star Home/Auto Insurance Professional Award
Named "One of the Best" Insurance Agencies of Ocean County
for the 4th time in the last 5 Years by The Asbury Park Press
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High Value Affluent Home Insurance is specifically tailored to the unique needs of homes valued in most cases above $1 million depending on the company selected. Again this isn't the MARKET Value or appraised tax value. It’s strictly an insurance replacement cost valuation. To illustrate, the replacement cost of any home is calculated by the total square footage multiplied by a per square foot dollar cost. In today's market the cost per square foot to rebuild can be anywhere from $150 to as much as
$300 per square feet or more, depending on materials, style, etc.
For example: A new custom home 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,
or roughly $200 to $300 per square foot.
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 set 3-5 Mile exclusions to water -meaning they will not insure homes anywhere in that 3-5 mile range!
And the Wind and Hurricane deductibles could be 1% to 5% or higher! Thus a Wind or Hurricane loss
on a 1 Million dollar home you could end up shelling out $50,000 for wind and or hurricane damages before the insurance company pays you the first dollar of a claim.
We have Insurance Carriers that are insuring High-End Afflulent Homes and costal and waterfront properties on the Barrier Islands and in that 3-5 mile range from the coast that most companies are excluding. New additions to our agency over the last 6 months are helping homeowners get better coverage with lower deductibles. Contact I & E Insurance Agency for more details.
I & E Insurance Agency is your one stop solution for all your Affluent and coastal insurance needs.
I & E Insurance Agency is an independent family owned and operated Agency serving all of NJ. We have clients from Alpine to Cape May from Vernon Valley and High Point to Princeton. Many of Our customers have multiple homes, Autos, Boats and Business polices with us and find that a one call service and solution 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.
It doesn't matter whether your Dream Home is in Warren or Morristown , a small cottage in Belmar , a 10,000 square foot mcmansion in RUMSON , a rental home in Lavallette , a 110 year Old Victorian in Ocean Grove, and Cape May a colonial in Paramus or even a ocean view condo in Atlantic City -- we can get you the proper coverage for your property.
And in some cases, we can package insurance needs such as home, boat,
flood, primary and vacation coverage all together saving you time and money.
Additionally, through our affiliation with ANE we offer the strength and power of a Country-wide agency,
but with the personalized service and Old fashion charm of a local corner agency.
You are more than a customer; you are our neighbors, friends and clients.
We're here to help when you need us most.
(All services through independent entities)
If you have any questions or would like to set up an appointment with us call 732-295-5584
us at firstname.lastname@example.org
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