Call Us or Text Us
Auto Insurance AUTO Read More
Home & Flood Insurance HOME & FLOOD Read More
Business Insurance BUSINESS Read More
Life & Health Insurance LIFE & HEALTH Read More
Watercraft Insurance WATERCRAFT Read More
Retirement Planning RETIREMENT PLANNING Read More

Colts Neck NJ High Value Homeowners Insurance | Colts Neck NJ 07722 Home Insurance | Colts Neck NJ Affluent Home Insurance | Colts Neck NJ Insurance Agents


Your High Value Home deserves special Attention from Agents who understand your property and your situation, shouldn't your Home insurance be more than just some piece of paper to appease a mortgage company spouse or an estate plan. In today's internet , push button and click world you need more personalized service and attention than ever, Call us at 732-295-5584 for personalize attention and award winning service.  



Allow us to help you, Get Personalized Attention for your Affluent Home.

Click Here Now for Fast Service

I & E Insurance Agency repeats... 
Winner of the 2014 & 2015 NJ Monthly Magazine-Five Star Home/Auto Insurance Professional Award .
NJ Monthly Magazine March 2014 and 2015.


Named One of the Top 3 Best Insurance Agencies
of Ocean County NJ for the 4th Time
in the Last 5 years by the
Asbury Park Press, 2015, 2014, 2012, 2011

High Value, Affluent Homeowners Insurance is specifically tailored to the unique needs of those homes that are valued in most cases  above $750,000. Typically the home's replacement value will depending on property, the quality of building materials and the company. 

This isn't the selling price, MARKET Value or Tax value.  Click Here Now for Fast Service

It's strictly the insurance replacement cost. To illustrate: 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. 

An example: Custom built home in   

Colts Neck NJ

custom materials, 5000 square feet, pool, patio, 3 car garage etc. should be insured for replacement values at roughly $200 to $300 per foot or  in a range from 1.1 Million to as much as $2 Million or more for insurance purposes.  

Additionally homeowners of these properties require higher coverage for assets and other proprerties and should have higher amounts of Legal Liability coverage. The Homeowner of a million dollar home should do more to protect themselves from unforeseen events and aggressive lawsuits. 

Call us at I E Insurance Agency 732-295-5584 to address these concerns.    Click Here Now for Fast Service

Another thing, check your wind and Hurricane deductibles on your homes. Your out of pocket deductibles could be 1% to 5%.
So your 1 million dollar home with a 5% wind deductible during a claim , could have a $50,000 for wind and or hurricane damages out of pocket deductible before the insurance company gets you the first dollar! 

If your home is 3 miles from a river lake or beach, it can still be classified as waterfront and thus uninsurable with those Voluntary companies you may know from TV or print media.--- Yes it is confusing----but that's the insurance market right now and we know it and we can help you solve this problem. That's why at I & E Insurance Agency we specialize in High End and Waterfront property Insurance.
We provide solutions, just call. 732-295-5584

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 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  Call or

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

& E  Insurance Agency is an independent family owned and operated Agency serving all of NJ. Many of our clients count on us to assist them with multiple homes, Autos, Boats and Business polices , allowing us to provide a ONE call service and solution that saves 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 Network   

We offer all the strength and power of a nation-wide business but with the personalized service and Old fashion charm of a local store.

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!


© Copyright. All rights reserved.
Powered by Insurance Website Builder