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Beach Haven NJ Home Insurance Quotes, Home Owners Insurance Beach Haven NJ 08008, Beach Haven NJ High Value Affluent Homeowners Insurance, Beach Haven Vacation Home Insurance, Beach Haven Flood Insurance, Landlord Insurance 08008, Beach Haven Rental Home Insurance, Beach Haven Insurance Quotes, Beach Haven NJ Insurance Agents

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& E Insurance Agency Agents repeat Winners in 2015 and 2014
NJ Monthly Magazine-Five Star Home/Auto Insurance Professional Award

Named One of The TOP 3 Best Insurance Agencies of Ocean County
for the 5th Time of the last 6 years. Named the Best of 2014 by the Asbury Park Press.

No Matter what your home is worth we can help, but for those who have a High Value home, you need a different plan. 
Affluent Home Insurance is tailored to the unique needs of homes valued in most cases above $1 million.
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 new custom built home with high end materials of 5000 square feet should be insured for replacement values in a range from 1.1 Million to as much as $2 Million or more for insurance purposes, or roughly $200 to $300 per square foot. An outside inspector will have the final determination as the replacement value.

Some of these affluent homes located on or near the Coast, Rivers,
Lakes on or near the beach make these homes prone to
underwriting issues preventing most Insurance companies
from offering coverage. The majority of NJ appointed Insurance
companies set 3-5 Mile exclusions to water-meaning
they will not insure homes in that 3-5 mile range!

 Additionally the Wind and Hurricane deductibles
could be 2% to 5% or higher!
Thus on a Wind loss, your $1 Million home
with a 5% wind deductible, your out of pocket could
be $50,000 for wind and or hurricane
damages before the insurance company pays
you the first dollar of a claim. 

We have Insurance Carriers that are insuring Coastal and Waterfront properties with Low Deductibles.

Allow us the opportunity to get better coverage with lower deductibles.

Contact I & E Insurance Agency for more details. 732-295-5584

I & E Insurance Agency is your one stop solution for all your Affluent and coastal insurance needs.  ​​​​ 

Allow US to Help You
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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 service and solution 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. 


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 such as home, boat, flood, primary and vacation coverage all 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 corner agency.  We're here to help when you need us most.

(Services through independent entities)

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 on

Plan today, Smile tomorrow, Life Happens Be ready!

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