Lake Como NJ 07719 Affluent Homeowners Insurance, Lake Como NJ Landlord Insurance, Lake Como NJ Flood Insurance, 07719 Vacation Home Insurance, Flood Insurance 07719, Home Insurance Agents Lake Como NJ, 07719 Home Insurance, 07719 House insurance Quotes.
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Fast Personal Service and Great Rates--- Call us today 732-295-5584
Rated a Top 3 Best Insurance Agency of Ocean County
for the 5th Time of the last 6 years
by the Asbury Park Press and winner of the
" Best of the Best for 2014 " in the Annual Readers Poll.
I & E Insurance Agents winner of the 2015 and 2014 NJ Monthly Magazine/Five Star Home/Auto Insurance Professional Award
High Value Affluent Home Insurance
Designed for the Unique needs of homes valued in most cases above $1 million depending on the company selected.
This isn't the MARKET Value or appraised tax value. It’s strictly an insurance replacement cost valuation.
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...
Thus a custom built home 5000 square feet with a pool, patio, 3 car garage etc. could have a replacement values in a range from
1.1 Million to as much as $2 Million or more for insurance purposes, roughly $200 to $300 per square foot.
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Some of these affluent homes are also located on or near the waterfront, Coast, Rivers, Lakes on or near the beach.
And this makes those homes prone to underwriting issues
preventing Most Insurance companies
from offering coverage.
The majority of NJ 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!
That means if $100,000 in damages occur due to Wind or Hurricane,
and your $1 million dollar home has 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 penny of a claim.
We have Insurance Carriers that are insuring High-End Affluent Homes
and Coastal 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 at 732-295-5584
I & E Insurance Agency is your 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 for service and solutions can save 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 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 neighborhood store.
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 or email us at email@example.com
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