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NJ Homeowners Insurance Quotes, Waterfront Home Insurance,
Vacation Home, Coastal Home and House Insurance, Flood Insurance.


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

 
Just  Click Here  and we'll get you a quote immediately.

We insure the Jersey Shore and Beach Front properties.

Homeowners have another problem for properties 5 miles from the coast and bays , 
especially High Value Homes- HIGH HURRICANE DEDUCTIBLES !---we help solve those problems---

For instance, let calculate the replacement value for a higher priced home---

Affluent Home Insurance is specifically tailored to the unique needs of homes valued in most cases above $1 million.  This is strictly an insurance replacement cost estimate---not market value. 

To illustrate:

Replacement cost of any home is  calculated by the total square footage multiplied by an amount per square foot dollar. 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. A new custom built home with high-end materials say 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. 5000 sq feet times 250 per foot = $1.25 million


Another problem, homes located on or near the waterfront, Coast, Bays and rivers are 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 if you find insurance, the Wind and Hurricane deductibles could be 1% to 5% or higher!
ie. Wind loss occurs--- say $100,000 in damages on your $1 million dollar home, with a 5% wind deductible, 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.   Have you read your present policy? Check it now, then call us.

We have Insurance Carriers that are insuring Most homes and High-End Afflulent Homes near coastal and waterfront properties on the Barrier Islands 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.
I & E Insurance Agency is your one stop solution for all your Affluent and Coastal insurance needs

Contact I & E Insurance Agency  at 732-899-8177for more details.

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I & E Insurance Agency is an independent family owned and operated Agency serving all of NJ.  
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. 

 

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.

We also offer Stock Brokerage services and securities trading through our affiliation with Southeast Investments NC INC., member FINRA/SIPC. This allows us to provide our clients a one-stop Financial Solution for their Business, Personal and Commercial Needs. We provide Securities trading, IRA Plans, 401K Plans, College 529 Accounts, Mutual Funds, Costa Free Bonds, Option trading Annuities and Investment Plans for Personal and Business needs. 
(All services through independent entities)

If you have any questions or would like to set up an appointment
with us call 732-899-8177
or email us at 
ineagency@gmail.com

See Our reviews on www.Google.com www.yahoo.com www.yelp.com www.bing.com www.facebook.com www.yb.com

Plan today, Smile tomorrow, Life Happens Be ready!

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Just  
Click Here  and we'll get you a quote immediately.

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