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HomeOwner's High Value Insurance Lavallette NJ 08735 | Coastal Home Insurance Lavallette NJ 08735 | Vacation & Waterfront Insurance 08735.

Are you tired of Robotic call waiting and never speaking to the same person twice, tired of being treated like another number and websites who dont explain the whole story, then call us 732-295-5584 for personal attention.

Our Agency has won several awards for Customer Service including being named for the 5th time as one of the Top 3 Insurance Agencies of Ocean County 2016-2011 and our agents were named some of NJ's Best in the 2014 and 2015 NJ Monthly Magazine/Five Star Home-Auto Insurance Professional Awards  featured in NJ Monthly Magazine March 2014 and 2015 see

High Value, Affluent Homeowners Insurance is specifically tailored to the unique needs of those homes valued in most cases above $750,000- $1 million. This is strictly the insurance replacement cost which is calculated by the square footage multiplied by a $$$ cost factor... The final replacement insurance value will be determined usually by an outside independent property inspector. Some of these affluent homes located on or near the waterfront, coasts and Rivers near the beach. And that makes those homes prone to underwriting issues preventing some common Insurance companies from offering coverage. The majority of these companies have 3-5 Mile exclusions, meaning they will not insure homes anywhere in that 3-5 mile range from water!  And the wind and Hurricane deductibles could be 1% to 5%. So if your $1 million dollar home has a 5% wind deductible, You could have to shell out $50,000 for wind and or hurricane damages before the insurance company gets you the first dollar. We at I & E Insurance Agency specialize in High End and Waterfront property Insurance, We provide solutions, just call.


Buying a New House?  Congratulations!  We can work with your Realtor, Attorney and Mortgage Company to make sure that your closing goes smoothly.

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

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 customer have multiple homes, Autos, Boats and Business polices with us and find that a one-call for service and solutions can save them time and money.

Our Principals (2) have over 70years experience. As a Trusted Choice® Agency we provide a full range of Insurance for Business, Personal and Commercial clients and through our affiliation with ANE Networks of NJ   we offer all the strength and power of a Country-wide agency, but with the personalized service and Old fashion charm of a local neighborhood corner 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 732-899-8177 or email us at

See our reviews at and

Insurance Today, Smile Tomorrow, Life Happens Be Ready!


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