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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 

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Plan today, Smile tomorrow, Life Happens Be ready!

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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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