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Spring Lake NJ 07762 High Value Homeowners Insurance | Spring Lake NJ Coastal Home Insurance NJ | Spring Lake 07762 Vacation Home Insurance

Thanks for stopping by, Allow us to help you , Any one or any robotic website can get you a quote, but is it valid? Did the Insurance policy properly protect you, your family, your property and possession - Get a second opinion call us today 732-295-5584

& E Insurance Agency named a One of the Top 3 Best Insurance Agencies of Ocean County in the Annual Asbury Park Press Readers Choice Awards for the 6th  Time 2017-2011

High Value and Affluent Homeowners  & Personal Insurance

with Great Service! I & E Insurance Agency is an Independent family- owned and operated, serving all of NJ. Our Principals (2) have over 70+ years experience. Many of Our customers have multiple homes, Autos, Boats and Business polices with us and find that just one call for service and solutions can save them time and money.

Affluent Home Insurance  is specifically tailored to the unique needs of homes valued in most cases above $1 million depending on the company selected. Again this isn't the MARKET Value or appraised tax value. It’s strictly an insurance replacement cost valuation.  Thus replacement cost of your home is calculated by the square footage multiplied by a cost per sq. foot . Today's market the cost per square foot to rebuild is anywhere from $150 to as much as $300 per square feet or more, depending on Quality of materials, etc. A new Home with high end materials 5000 square feet with a pool, patio, 3 car garage etc. 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. The final determination will be made by an outside independent inspector hired by your company to do the analysis.

We have Insurance Carriers that are insuring High-End Affluent Homes and costal and waterfront properties on the Barrier Islands and in that 3-5 mile range from the coast that most companies are excluding. New additions to our agency over the last 6 months are helping homeowners get better coverage with lower deductibles. email us at

It doesn't matter whether your Dream Home is in Warren  or Morristown , a  small cottage in Belmar , a 10,000 square foot
mc-mansion 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. 

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.

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If you have any questions or would like to set up an appointment with us call 732-295-5584 or email us at

Insurance Today, Smile Tomorrow, Life Happens Be Ready!

As a Trusted Choice® Agency we provide a full range of Insurance for Business, Personal and Commercial clients 

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