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Ortley Beach NJ 08751 Home Insurance, Chadwick Beach NJ Home Insurance, Chadwick Beach NJ 08735 Coastal Home Insurance, Chadwick Beach Rental Home Insurance, Ortley Beach rental Home Insurance, 08751 Homeowners Insurance, Chadwick Beach NJ Business Insurance, Ortley Beach landlord Policy

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Our Agency has been named again for the 5th time of the last 6 years 
as One of the Top 3 Insurance Agencies of Ocean County for 2016.

and I & E Insurance Agency Agents were winners of the 2015 & 2014  
NJ Monthly Magazine/Five Star Home/Auto Insurance Professional Award

Just  Click Here  and we'll get you a quote immediately.
We want to help you get the right insurance at the best price and as Specialist in High Value Home,
Coastal Properties and Coastal Businesses we have the markets to help you.  Call us today 732-295-5584

Coastal Homes and High Value
Affluent Home Insurance
is specifically tailored to the unique needs of Coastal homes. 

To illustrate, the replacement cost of any home is calculated by 
the square footage multiplied by a per square foot dollar cost.
Today's market the cost per square foot range from $150 to 
as much as $300 per square feet or more, depending on materials, style, etc. 

Thus a new affluent Home 4,000 square feet should be insured for replacement values in a range from $840,000 to as much as $1.35 Million or more for insurance purposes, an outside independent appraiser will have the final say..

Some of these affluent homes are also located on or near the waterfront, 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 if you find insurance the Wind and Hurricane deductibles could be 1% to 5% or higher!

Thus a 5% hurricane deductible on a $1 million dollar home, means $50,000 out of your pocket first on a hurricane claim.
Allow us to explain, recent additions to our agency 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 for more details.

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


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 on

Plan today, Smile tomorrow, Life Happens Be ready!

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

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