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Brick NJ 08723 Luxury Homeowners Insurance | Coastal Home Insurance Brick NJ 08724 | Monmouth County NJ Vacation Home Insurance.

Tired of Robotic Calls and push button transfering over and over again, only to have to tell someone new about your problem again and again, well if you're fed up with lousy service and people who cant get your answers and want good old fashion service back, then call us at 732-295-5584.

Named One of the TOP 3 Insurance Agencies of Ocean County NJ for the 5th Time of the Last 6 years 2016-2011 by the Asbury Park Press Readers Choice Awards, and our agents were named some of NJ's Best in 2015 and 2014 by NJ Monthly Magazine-Five Star Home/Auto Insurance Professional Award 


We can help you get the right Insurance for your Home, Business, Auto and Life... One of Our specialties, Coastal and High Value Home Insurance. We provide High Value, Affluent Homeowners Insurance that is specifically tailored to the unique needs of those homes valued in most cases above $1 million.  To illustrate--replacement cost is calculated by the square footage multiplied by a cost factor in today's market anywhere from $180 to as much as $300 per square feet or more, depending on materials style, location etc.  A custom built home of 5000 square feet, pool, patio, 3 car garage  etc. could then range from $1.1 Million to as much as $2 Million or more for insurance purposes. 


The final replacement insurance value will be determined usually by an outside independent property inspector.
Some of these affluent homes are also located on or near the waterfront, The Coast, Rivers, Lakes  on or near the beach that makes those homes prone to underwriting issues that prevent the most common Insurance companies from offering coverage. Most Insurance companies may have 3-5 Mile exclusions, preventing them from insuring homes 3-5 miles from water or the wind and Hurricane deductibles could be 1% to 5%. So with your $1 million dollar home 
a 5% wind deductible means you have to s
hell out $50,000 for wind and or hurricane damages before the insurance company gets you the first dollar. Yes it is confusing----That's why at I & E Insurance Agency, We provide solutions, just call.

I & E Insurance Agency is your one stop solution for all your Insurance needs.
It doesn't matter whether your Waterfront Dream Home is a small cottage in Belmar or a 10,000 square foot McMansion in Rumson,  a rental home in Lavallette , a 110 Year old Victorian in Cape May we can get the right insurance policy for you and your family!  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. Just  Click Here  and we'll get you a quote immediately.

I & E  Insurance Agency is an independent family owned and operated Agency serving all of NJ 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 for service and solutions can 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, Retirement and Benefit planning for Business, Personal and Commercial clients. 

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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