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Avon by the Sea NJ 07717 Home Insurance | Avon NJ 07717 High Value Homeowners Insurance.

Any robotic website or Insurance clerk can get you a quote. The question is did you forsake safety for price and convenience. Do you hate being treated like just another number? Will those computers call you when a problem comes up? Will you even get the same person on the phone twice? Did you get insurance just to appease the Mortgage company? Doesn't your Home and Family deserve the best? We can get you top notch Quality with GREAT Personal Service at a Fair price, Get a second Opinion call the Owners of I & E Insurance Agency today @ 732-295-5584


And if you own a High Value Affluent Home, there are policies specifically tailored to the unique needs of those homes valued in most cases above $750,000- $1 million depending on the company selected. This isn't the Selling price, MARKET Value or appraised tax value. It's strictly the insurance replacement cost. To illustrate, the 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 $220 to  as much as $300 per square feet or more, depending on materials style, etc. Thus a 5000 square foot home should be insured for $1.1 Million to as much as $1.5 million for Insurance.


Then Some of these affluent homes are also located on or near the waterfront, Rivers, and near the beach. That makes these homes prone to underwriting issues that prevent the most common Insurance companies from offering coverage. The majority of NJ appointed Insurance companies have 3-5 Mile exclusions, meaning they will not insure homes anywhere in that 3-5 mile range from the coast. Or 

the wind and Hurricane deductibles could be 1% to 5%. So if your 1 million dollar home has a 5% wind deductible, You would have to shell out $50,000 for wind or hurricane damages before the insurance company gets you the first dollar. We can solve this problem. Our specialty is coastal and high value homes and properties. We have the companies that want your business. We provide solutions, call 732-295-5584.

I & E  Insurance Agency is an independent family owned and operated Agency serving all of NJ. We have clients from Alpine to Cape May from Vernon Valley and High Point to Princeton. Many of Our customer have multiple homes, Autos, Boats and Business polices with us and find that a one call service and solution save them 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. And through Our affiliations with ANE Networks, Trusted Choiceand PIA we offer all 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.

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

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Insurance Today, Smile Tomorrow, Life Happens Be Ready!


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