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Red Bank NJ 07701 Home Insurance | Red Bank NJ High Value Home Insurance | Red Bank NJ Vacation Home Insurance | Red Bank NJ Home Insurance Agents  


Any Robotic Website or online insurance service can get you a cheap quote but the question should be does it cover you properly? Will you ever speak to the same person twice? Who is looking out for your interest? Shouldn't  your home insurance coverage be more than just a piece of paper to appease a mortgage company or a regulatory authority ? For Experienced Advice and Great Service with competitive pricing , call us 732-295-5584  or Click the Red buttons above for Fast service.

High Value Home Insurance is specifically tailored to the unique needs of homes valued in most cases above $1 million depending on the company selected. This isn't the MARKET Value or appraised tax value. It’s strictly an insurance replacement cost valuation. Thus, replacement cost is the total square footage multiplied by a Cost per square foot cost. Today's market the cost per square foot to rebuild can be anywhere from $200 to $400 per square feet or more, depending
on quality materials style etc. So a 5000 square feet with a pool, patio, 3 car garage etc. should be insured for replacement values in a range from $1.5 Million to as much as $2.0 Million or more for insurance purposes,
Final analysis will be done by an outside independent outside adjuster.

And homes located on or near the waterfront, the Coast, or the beach may have underwriting issues that prevent the 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 anywhere in that 3-5 mile range! And If they do, Wind and Hurricane deductibles could be 1% to 5% or higher. So a $2 million home could have a $100,000 deductible. We have companies available that can insure your home only with a $1,000 deductible. Allow us the opportunity to be of service, give us a call or email us at and we can get to work finding the best coverage at a fair cost.

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