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Brick NJ 08723 Luxury Homeowners Insurance, Coastal Home Insurance Brick NJ 08724,Monmouth County NJ Vacation Home Insurance, Monmouth County NJ Waterfront Home Insurance, Ocean County NJ Flood & Homeowners Insurance, Brick NJ 08724 Business Insurance, Home Insurance 08724, Business Insurance 08723.

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Please call 732-295-5584 for Fast Quote or  

Named One of the TOP 3 Insurance Agencies of Ocean County NJ
for the 5th Time of the Last 6 years by the
Asbury Park Press Readers Choice Awards, 2016-2011

& E Insurance Agency Agents named One of the Best in NJ 2015 and 2014
NJ Monthly Magazine-Five Star Home/Auto Insurance Professional Award

We can help you get the right Insurance for your Home, Business, Auto
and Life... For Personal Service call us!

One of Our specialties, Coastal and High Value Home Insurance.
We provide High Value, Affluent Homeowners Insurance that
is specifically tailored to the unique needs of those homes
valued in most cases above
$1 million. 

To illustrate--replacement cost is calculated by the square footage
multiplied by a cost factor in today's market anywhere from $180 to 
as much as $300 per square feet or more, depending
 on materials style, location etc. 

A custom built home of 5000 square feet, pool, patio, 3 car garage
 etc. could then 
range from $1.1 Million to as much as $2 Million
or more for insurance purposes. 


The final replacement insurance value will be determined
usually by an outside independent property inspector.

Some of these affluent homes are also located on or near the waterfront, The Coast, Rivers, Lakes  on or near the beach. 
that makes those homes prone to underwriting issues that prevent the most common Insurance companies
from offering coverage. Most Insurance companies may have 3-5 Mile exclusions,

preventing them from insuring homes 3-5 miles from water! 
or the wind and Hurricane deductibles could be 1% to 5%. So, with your $1 million dollar home 
a 5% wind deductible means you have to s
hell out $50,000 for wind and or hurricane damages
before the insurance company gets you the first dollar.

Yes it is confusing----That's why at I & E Insurance Agency, We provide solutions, just call.

I & E Insurance Agency is your one stop solution for all your Insurance needs.

It doesn't matter whether your Waterfront Dream Home is a small cottage in Belmar or a 10,000 square foot McMansion in Rumson,  a rental home in Lavallette  , a 110 Year old Victorian in Cape May , or a ocean view condo in Atlantic City, we can get the right insurance policy for you and your family!  And in some cases, we can package insurance needs such as home, boat, flood, primary and vacation coverage all together., saving you more money
 Lost your current provider? We write NEW policies for coastal coverage, so finding the right coverage and
carrier for your unique needs is easy. Its our Job!

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 70+ years experience. As a Trusted Choice® Agency we provide a full
range of Insurance, Retirement and Benefit planning for Business, Personal and Commercial clients. 

We'll do what ever it takes to help solve your insurance problems,
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  ineagency@gmail.com 

See our reviews at  www.yahoo.com www.google.com  www.facebook.com  www.yb.com  www.yelp.com 
www.merchantcircle.com  www.manta.com and www.NJ.com

Insurance Today, Smile Tomorrow, Life Happens Be Ready!


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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