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Home > Homeowners Insurance in Toms River NJ, Freehold NJ & Morristown NJ

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowner Flood Quote
Homeowners Quote Form

Homeowners Insurance Information

New Jersey Home Insurance | Homeowners Insurance  

 

NJ Homeowners Insurance Quotes | NJ Home Insurance Rates | NJ Home Insurance Agents | NJ Home Insurance Brokers | Low Cost NJ Home Insurance | NJ Vacation Home Insurance | NJ Multi Family Insurance

 

If you are planning to buy a home, your first to-do item should be to get homeowners insurance. It’s one of the most essential pieces of protection you can invest in for your property. Though insurance itself won’t protect your home from damaging accidents, it will ensure that you have the financial resources to guide you through your recovery. 

Homeowners insurance must be customized to the individual property owner, but you shouldn’t have to worry about going on your search for coverage alone. With the help of I & E Insurance Agency, you’ll be able to pinpoint the policy that is best for you. Our goal is to earn your trust when making some of the most important financial decisions of your life. 

To get covered, just call (732) 295-5584 or request a quote below. 

  • Homeowners Insurance Quote

  • Personal Flood Insurance Quote

 


Common Home Insurance Questions 

Why buy home insurance? 
What would you do if something damaged your home? Could you afford the recovery costs? Would you even be able to rebuild?  

If you have homeowners insurance, then you won’t have to worry about how you’ll answer these questions. Your policy will be there to help you cover the costs of unexpected, unavoidable accidents in your home and can save you from a lot of out-of-pocket losses in the end. 

How many types of homeowners insurance policies are there? 
Homeowners policies must be customized to meet the needs of the individual occupant. There are eight primary types of coverage, each designed to offer different benefits: 

  • HO-1 - Basic Form Coverage

  • HO-2 - Broad Form Coverage

  • HO-3 -Special Form Coverage (Similar to an HO-2, but with more expansive benefits.)

  • HO-4- Renters Insurance

  • HO-5 - Comprehensive Form Coverage (The most expansive benefits on the market.)

  • HO-6 - Condo Insurance

  • HO-7 - Mobile Home Insurance

  • HO-8 - Modified Coverage Form (For non-standard, older or high-risk homes.)

 

Ask one of our agents which benefits are best for you. 

What does home insurance cover? 
Homeowners policies offer several different benefits, usually including: 

  • Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards. 

  • Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage. 

  • Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems. 

  • Liability coverage: If you accidentally harm someone else or damage their property, you use this coverage to repay them. Coverage will often pay for incidents both on and off your property. 

  • Additional living expenses protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills. 



To make your policy more specific to you as an individual property owner, you might also need supplementary coverage such as: 

  • Scheduled items riders 

  • Replacement cost value possessions coverage 

  • Umbrella liability insurance 

  • Flood insurance 

  • Earthquake and windstorm endorsements 

  • Pet liability insurance


Please note, certain claims will not have coverage, including flood damage. You must purchase flood insurance separate from your homeowners policy. Click here to learn more. 

When is homeowners insurance required? 
Most mortgage lenders require prospective home buyers to purchase home insurance before they can be approved for a loan. You will also be required to maintain coverage for the duration of your mortgage. Of course, you should always have coverage regardless of any policy requirement, and we will ensure you get it affordably.  

How much homeowners insurance should I have? 
Every homeowner needs their insurance benefits to be unique, and they want to receive as much assistance as possible for a qualifying claim.  

Our agents are the experts who know the appropriate ways to tailor every policy to the needs of the consumer, while doing all we can to keep your benefits affordable. Just put your trust in us, and we will make sure that you always get the perfect coverage solutions. 

About I&E Insurance Agency 

Through our affiliation with www.trustedchoice.com and www.pia.org, we offer all the strength and power of a nationwide agency, but with the personalized service and old-fashioned charm of a local corner store. If you have any questions or would like to set up an evening or weekend appointment call (732) 295-5584 or contact us online to learn more. 

Recent Awards  

  • Asbury Park Press—“Top 3–Best Insurance Agency of Ocean County”—7 of the last 8 years.

  • NJ Monthly Magazine—"Best Insurance Agency ”—5 Star Professionals Award for Home/Auto Insurance Agents 2014, 2015, 2017, 2018

 






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  • I & E Insurance Agency
  • 2900 Route 88
  • Point Pleasant, NJ 08742
  • Phone: 732-295-5584
  • ineagency@gmail.com

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, accountant or your own financial advisor. EMC Insurance Agency & Financial Services LLC dba I & E Insurance Agency & Financial Services is an Independent Insurance Agency, a Member of the Trusted Choice , Independent Agents of America and member of the ANE Network of Independent Insurance Agents, contact your own advisors before making any decision.

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