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West Creek NJ 08092 Homeowners Insurance, Waterfront Home Insurance, Vacation Home, High Value Home and Flood Insurance.

& E Insurance Agency has Won the 2014 Five Star Home/Auto Insurance Professional Award as featured in NJ Monthly Magazine March 2014

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

We offer all forms of Insurance throughout NJ, the Jersey Shore and Beach Front properties.

Homeowners have another problem for properties 5 miles from the coast and bays , 
especially High Value Homes- HIGH HURRICANE DEDUCTIBLES !---we help solve those problems---

For instance, let's calculate the replacement value for a higher priced home---

Affluent Home Insurance is specifically tailored to the unique needs of homes valued in most cases above $1 million.  To illustrate: replacement cost of any home is calculated by the total square footage multiplied by an amount per square foot dollar.  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. 
A new custom built home with high end materials say 5000 square feet with a pool, patio, 3 car garage etc. 
calculated as 5000 sq. feet times $250 per foot = $1.25 million

Another Issue --homes located near or on the waterfront, coast, bays and rivers are prone to underwriting issues that the typically known companies have stopped offering coverage. And a majority of NJ appointed Insurance companies have set  a 3-5 Mile exclusions to water----meaning they will not insure homes anywhere in that 3-5 mile range! Additionaly if you do find insurance, the Wind and Hurricane deductibles could be 1% to 5% or higher!
ie. Wind loss occurs--- say $100,000 in damages on your $1 million dollar home, with a 5% wind deductible, 
you could end up shelling out $50,000 for wind and or hurricane damages before the insurance company
pays you the first dollar of a claim. Check the fine print of your present policy---

We have Insurance Carriers that are insuring most homes and High-End Afflulent Homes near coastal and waterfront properties on the Barrier Islands in that 3-5 mile range from the coast that most companies are excluding.

Big News--- we recently added several new Insurance companies to our portfolio of issuers  
that are helping homeowners get better coverage at competitive prices, call for more info. 

Contact I & E Insurance Agency at 732-899-8177 for free Quote and more details on 
Affluent and Coastal insurance needs.  ​​​​

I & E Insurance Agency is an independent family owned and operated Agency serving all of NJ.  
Our Principals (2) have over 66 + 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, Auto, Flood, Business and secondary vacation home 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. 
You are more than a customer; you are our neighbors, friends and clients.

We're here to help when you need us most.

We also offer Stock Brokerage services and securities trading through our affiliation with Southeast Investments NC INC., member FINRA/SIPC. This allows us to provide our clients a one-stop Financial Solution for their Business, Personal and Commercial Needs. We provide Securities trading, IRA Plans, 401K Plans, College 529 Accounts, Mutual Funds, Costa Free Bonds, Option trading Annuities and Investment Plans for Personal and Business needs. 
(All services through independent entities)

If you have any questions or would like to set up an appointment
with us call 732-899-8177 
email us at

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Insurance and Retirement Planning  today,
Smile tomorrow, Life Happens, be ready!

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

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