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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 Business Insurance, Red Bank NJ Flood Insurance, Red Bank NJ Store Insurance, Red Bank NJ Commercial Insurance, Red Bank Restuarant Insurance, Red Bank NJ Workers Comp Insurance.

Anyone or any website can give you a cheap quote, but for Experienced Advice and
Great Service with competitive pricing , call us 732-295-5584     Quick Quote here

Voted a TOP 3 Best Insurance Agency in the Annual Asbury Park Press Best of the Best Readers Choice Contest  for the 5th time of the last 6 years.

Just  Click Here  and we'll get you a quote immediately.

High Value
Affluent 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 $150 to $300
per square feet or more, depending
on quality materials, style, etc. 

So a new home, 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. Final analysis will be done by an outside independent adjusters once your property has been covered.

And homes located on or near the waterfront, Coast, and on the beach may have underwriting issues that prevent the most common 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 the Wind and Hurricane deductibles could be 1% to 5% or higher so if a Wind loss occurs, 
with $100,000 in damages --but your $1 million dollar home has a 5% wind deductible, 
that means you could end up shelling out $50,000 for wind and or hurricane damages before the insurance company pays you the first dollar of a claim. 

BUT as Affluent and Coastal Insurance Specialist we have Carriers that are insuring High-End Afflulent Homes, Costal and waterfront properties on the Barrier Islands and in that 3-5 mile range from the coast that most are excluding. New additions to our agency over the last 6 months are helping homeowners get better coverage with lower deductibles.

I & E Insurance Agency is your one stop solution for all your
Affluent and Coastal Insurance needs
Contact I & E Insurance Agency for more details.

I & E Insurance Agency is an independent family owned and operated Agency serving all of NJ.  
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. 


It doesn't matter whether your Dream Home is in Warren  or Morristown , a  small cottage in Belmar , a 10,000 square foot mcmansion 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.​  And in some cases, we can package insurance needs such as home, boat, flood, primary and vacation coverage all together saving you time and money.

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.  You are more than a customer; you are our neighbors, friends and clients.

We're here to help when you need us most.

(All services through independent entities)

If you have any questions or would like to set up an appointment with us call 732-899-8177
or email us at

See Our reviews on

Plan today, Smile tomorrow, Life Happens Be ready!

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

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