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Lincroft NJ 07738 Homeowners Insurance, Lincroft NJ Home Insurance, Lincroft NJ 07738 Vacation Home Insurance, 07738 Affluent Home Insurance, Lincroft NJ 
Farm Insurance, Lincroft NJ Property Insurance, Lincroft NJ office Building Insurance.

I & E Insurance Agency welcomes you, thanks for stopping by---

Fast Personal Service ---Allow us to Help you get Home Insurance in Lincroft NJ 07738

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

We are a full service independent agency, not captive to any one company--
thus we can find  you the best coverage at a competitive cost.


Our attention to our clients-- recognized by the Asbury Park Press  and named One of the Best 3 Agencies of Ocean County
for the 5th time of the last 6 years by the Asbury Park Press 2016-2011 
New Jersey Monthly Magazine/
Five Star Home/Auto Insurance Professional Award for 2015 and 2014 as featured in NJ Monthly Magazine March 2014

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

We insure Properties and Homes all over NJ including 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's 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.  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. 
calculated as 5000 sq. feet times $250 per foot = $1.25 million


Another problem--homes located near or on 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! 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. Check the fine print of your present policy---

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.

We have added New Insurance companies to our agency recently that are helping homeowners
get better coverage with lower deductibles.

Contact I & E Insurance Agency at 732-295-5584 for free Quote and more details on 
Affluent and Coastal Insurance needs.  ​​​​


I & E Insurance Agency is an independent family owned and operated Agency serving all of NJ.  
Our Principals (2) have over 66 + 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, Auto, Flood, Business and secondary vacation home 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.

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 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!

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

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