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Sea Girt NJ 08750 Homeowners Insurance, 08750 Affluent Homeowners Insurance, Sea Girt NJ High Value Home Insurance, 08750 Waterfront Property Insurance, Sea Girt Flood Insurance, Sea Girt NJ Home Insurance Quote, Sea Girt Luxury Home Insurance, Sea Girt NJ Home Insurance Agents.

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Asbury Park Press named
"One of the Top 3"
Best Insurance Agencies of Ocean County NJ
4 out of the last 5 years 
2015, 2012, 2011
Awarded "Best of the Best for 2014

Two Time Winner 2015, 2014
NJ Monthly Magazine/Five Star Home-Auto Insurance Professional Award

featured in NJ Monthly Magazine 03/2015 and2014

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High Value, Affluent Homeowners Insurance is specifically tailored to the unique needs of those 
homes valued in most cases above  $1 million depending on the company selected. 
Replacement cost is calculated by the square footage times the building cot per foot.

In today's market the cost to rebuild could be anywhere from $180 to as much as $300 per square feet or more, depending on materials style, location , paperwork and permits etc. 

For example: A Custom built home , 5000 square feet with a pool, patio, 3 car garage etc. replacement values can range from 1.1 Million to as much as $2 Million or more for insurance purposes. This is the insurance replacement costs. Usually 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.
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 you see on TV and the media,
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 may have to shell out $50,000 for wind and or hurricane damages before the insurance company pays you the first dollar. 

Yes it is confusing---that's the insurance market right now but we can help you solve this problem and 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. 

It doesn't matter whether you have a luxury Home in Sea Girt
or if your  Waterfront Dream  ​​​Home is a small cottage in Belmar ,
a 110 Year old Victorian
Stone Harbor or a 10,000 square foot McMansion in RUMSON , 
a rental home in
Lavallette or a ocean view condo in Atlantic City ---or a CAPE COD in LODI 
 ---  we can get the right insurance policy for you and your family !

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​​​​​​​​​​​​​​​​​​​​​​​​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,
Click Here  for coverage, so finding the right policy 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 serve 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 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 attention of a local corner store. 

(services through independent entities) ​​

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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