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2024

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Best Homeowners Insurance Agencies in Clifton, NJ

Our Recommended Top 8

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Our goal is to connect people with the best local professionals. We scored Clifton Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

56Reviewed

36Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

200 Stuyvesant Avenue, Lyndhurst, NJ 07071

Expertise.com Rating

Review Sources

Google
4.8 (51)
Facebook
5.0 (5)

Why choose this provider?

Bogle Agency Insurance is a firm that services Clifton area residents in need of home insurance assistance. The agency helps homeowners secure insurance coverage for disaster-driven matters such as property damage repairs, replacements, and temporary living arrangements. Bogle Agency Insurance also offers coverage options for valuable items, flood damages, animal liabilities, and earthquake insurance. The firm has been in the insurance business since 1919 and holds memberships with the American Insurance Marketing and Sales Society and Professional Insurance Agents Association.

  • Multiple Policy Types

851 Franklin Lake Road, Franklin Lakes, NJ 07417

Expertise.com Rating

Review Sources

Google
4.1 (9)
Facebook
5.0 (1)

Why choose this provider?

Daman Associates Inc. is an insurance agency that offers a variety of homeowners insurance plans. This company has over 25 years of experience serving customers and helps clients to find plans that cover the replacement costs of their dwellings and property. It helps them to purchase quotes and also responds to their needs when they want to adjust their policies or have issues or claims. Daman Associates Inc. offers condo insurance and renters insurance too.

  • Multiple Policy Types

60 Outwater Lane, Garfield, NJ 07026

Expertise.com Rating

Review Sources

Google
3.6 (14)
Facebook
5.0 (5)

Why choose this provider?

Imperial Agency Inc. is a homeowners insurance agency serving the Clifton area. As an independent agency, it has been in the business since 1979. The company's team of insurance agents is committed to helping clients understand the difference between each policy so that they can make informed decisions. Depending on the client's preferences, a policy can cover damages to the dwelling or the house's structure, the surrounding structures, the home's contents, as well as personal liability claims on the property.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

555 Madison Avenue, New York, NY 10022

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Marshall & Sterling offers homeowners insurance plans to clients in the Clifton metro area and helps them to deal with a multitude of issues when purchasing policies. It offers comprehensive plans that can cover dwellings and other structures on properties, account for the replacement costs of any belongings, and cover liabilities involving guests that may be hurt on properties. Condo and renters insurance plans are available as well. Marshall & Sterling can insure automobiles and watercraft too.

  • Multiple Policy Types

307 Bloomfield Avenue, Caldwell, NJ 07006

Expertise.com Rating

Review Sources

Facebook
4.7 (15)
Google
4.4 (13)

Why choose this provider?

DeStefano Associates LLC is an insurance agency that offers homeowners insurance plans. It's staffed by experienced agents who can advise clients on available policies and provide quotes based on their coverage needs. Its policies serve to replace possessions lost in disasters or other incidents involving homes. They also cover for liabilities placed on homeowners if anyone is ever injured on their properties. Condominium insurance and renters insurance plans are available as well.

  • Personal Property Insurance
  • Multiple Policy Types

521 Van Houten Avenue, Clifton, NJ 07013

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Innovate Insurance Agency, Inc. serves the Clifton community. The agency is committed to providing a wide range of insurance options including homeowners' insurance policies. Depending on the client's needs and preferences, these policies may cover repairs or rebuilding projects, loss of personal property, and loss of use. Its agents strive to assist clients in preparing for potential risks and protecting their best interests. The business also offers its services to Spanish-speaking clients.

  • Multiple Policy Types

50 Mt Prospect Ave, Clifton, NJ 07013

Expertise.com Rating

Review Sources

Google
4.1 (7)

Why choose this provider?

Cupo Insurance Agency is active in the Clifton metro area and helps clients to deal with any homeowners insurance needs. Its agents assist clients as they shop for rates and assemble custom policies that fulfill their coverage needs. Its plans can cover physical structures and any belongings inside them as well as living expenses should clients actually lose their homes. Cupo Insurance Agency can insure condos and mobile homes too. Auto insurance plans are available.

  • Personal Property Insurance
  • Multiple Policy Types

301 South Livingston Avenue, Livingston, NJ 07039

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

Livingston Insurance Agency serves the Clifton metro area and assists clients with any needs related homeowner's insurance. Its agents provide quotes for homeowners' insurance policies and help clients to customize the coverage provided based on their needs and specific risks. This agency also services any claims that clients need to make and responds to their requests and inquiries. Livingston Insurance Agency also offers insurance for clients who own mobile homes, campers, or motor homes.

  • Multiple Policy Types
  • Renter's Insurance
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Bogle Agency Insurance
200 Stuyvesant Avenue, Lyndhurst, NJ 07071
Daman Associates Inc.
851 Franklin Lake Road, Franklin Lakes, NJ 07417
Imperial Agency Inc.
60 Outwater Lane, Garfield, NJ 07026
Marshall & Sterling
555 Madison Avenue, New York, NY 10022
DeStefano Associates, LLC
307 Bloomfield Avenue, Caldwell, NJ 07006
Innovate Insurance Agency, Inc.
521 Van Houten Avenue, Clifton, NJ 07013
Cupo Insurance Agency
50 Mt Prospect Ave, Clifton, NJ 07013
Livingston Insurance Agency
301 South Livingston Avenue, Livingston, NJ 07039

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the right amount of homeowners' insurance that residents of Clifton should purchase?

    In most cases, most mortgage lenders in Clifton require residents to secure adequate dwelling coverage that matches the replacement cost value of their homes. This value refers to the approximate cost involved in fully reconstructing or replacing a home. Regardless of any coverage requirement, it is advisable for residents to carry homeowners' insurance as an integral component of their comprehensive personal insurance package.

  • What is the coverage limit for personal items stored in another location under a homeowners' insurance policy in Clifton?

    A homeowners' insurance policy's coverage limit for personal property stored in another location in Clifton is around 10% of the total personal property coverage limit. It can also be a percentage of the overall limit stated in the insured's insurance policy. Personal property kept in a home the policyholder does not own is not subject to the 10% coverage limit.

  • Which homeowners' insurance discounts available to Clifton residents contribute the most to reducing premiums?

    The home improvement discount contributes significantly to reducing homeowners’ insurance premiums in Clifton. When renewing or purchasing a new insurance policy, homeowners must include recent home improvements such as roof replacement, energy-efficient appliances, and green building materials in their quotes. Additionally, residents who have installed fire extinguishers and burglar alarm devices are qualified for the secured home discount.

  • What are the factors that increase homeowners’ insurance premiums in Clifton?

    The factors contributing to higher homeowners' insurance premiums in Clifton include the replacement value of a home. It pertains to the expenses of reconstructing a house to its original dimensions following complete destruction. Additional factors driving higher premiums comprise the home's proximity to tidal or substantial bodies of water, its considerable distance from the nearest fire station, and a roof in suboptimal condition.

  • What is the average cost of homeowners’ insurance in Clifton?

    The typical cost of homeowners' insurance in Clifton varies between approximately $733 and $993, which translates to a monthly expenditure of roughly $61 to $82. Several elements influence the pricing of homeowners' insurance, including the residence's location, the extent of coverage, and the chosen insurance company. Key insurance providers that offer homeowners' insurance policies in the city include Farmers, Travelers, and State Farm.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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