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New Jersey Home Insurance Quotes, NJ High Value Homeowners Insurance, NJ Coastal Home Insurance, NJ Vacation Home Insurance, NJ Home Insurance Quotes, NJ Waterfront Home Insurance, NJ Flood Insurance, NJ Home Insurance Agents, NJ Affluent Home Insurance.

& E Insurance Agency Named One of NJ's Best Insurance Agencies for 2015 NJ in the Monthly Magazine-Five Star Home/Auto Insurance Professional Award following 2014 award
as featured in NJ Monthly Magazine March 2015-2014 see

Named One of the Best Insurance Agencies of Ocean County NJ for the 4th time
in 2015 of the last 5 years in
The Annual Asbury Park Press Readers Choice Awards.

​​​​​ High Value, Affluent Homeowners Insurance is specifically tailored to the unique needs of those homes valued in most cases above
$750,000- $1 million and more depending on the company selected. Again this isn't the selling price, MARKET Value or appraised tax value.

It's strictly the insurance replacement cost. To illustrate, the replacement cost of this type of home can be calculated by the square footage multiplied by a cost factor, In today's market , the cost per square foot to rebuild could be anywhere from $180 to as much
as $300 per square feet or more, depending on materials style, etc. 

Thus a Custom built home with custom materials 
5000 square feet with a pool, patio, 3 car garage etc.
should be insured for replacement values in a range f
rom 1.1 Million to as much as $2 Million or more for insurance purposes.  This has nothing to do with the market value
or selling amount an owner may receive. 
The final replacement insurance value will
be determined 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.

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 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 would have to shell out $50,000 for wind and or hurricane damages before the insurance company gets you the first dollar.

We have alternatives at I & E Insurance Agency  We provide solutions, just call.

I & E Insurance Agency is your one stop solution for all your coastal insurance needs.
We have Insurance Carriers that are insuring homes, and properties from the Barrier Island beach front
to the 3-5 mile range that most companies exclude.

And in some cases, we can package insurance needs such as home, boat, flood, primary and vacation coverage all together.
Lost your current provider? We write NEW policies for coastal coverage, so get the right coverage and carrier for your needs.

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. The majority of customers reside in Ocean, Monmouth, Burlington and Atlantic Counties, but 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 service and solution save them time and money.

Our Principals (2) have over 70+ years combined experience. As a Trusted Choice® Agency we provide a full range of
Insurance for Business, Personal and Commercial clients. 

Additionally, through our affiliation with ANE Insurance Agents 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 business.

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 

See our reviews at and

Insurance Today, Smile Tomorrow, Life Happens Be Ready! 

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