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2024

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Best Homeowners Insurance Agencies in Elizabeth, NJ

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Elizabeth 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.

80Reviewed

50Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

433 North Wood Avenue, Linden, NJ 07036

Expertise.com Rating

Review Sources

Google
4.9 (224)
Facebook
4.5 (4)

Why choose this provider?

Marc Torres is a State Farm insurance agent providing services in the Elizabeth area. State Farm's homeowners' insurance can protect policyholders' items like jewelry, cameras, sports equipment, appliances, and furniture. It can also cover clients from threats like lightning and wind or damages that result from theft, fire, or vandalism. Marc has been an agent since 2008 and has notable accomplishments like the Multiple Ambassador Travel Qualifier, the Multiple Chairman's Circle Qualifier, and the Multiple Senior Vice President's Club Qualifier.

  • Personal Property Insurance

650 Newark Ave, Elizabeth, NJ 07208

Expertise.com Rating

Review Sources

Google
4.1 (9)

Why choose this provider?

Based in Elizabeth, Costa Do Sol Insurance Agency assists homeowners in identifying insurance policies that fit their unique situations. The agency helps clients secure coverage for property damages caused by various factors including earthquakes, floods, and household pets. Costa Do Sol Insurance Agency also offers support for claims involving repair costs driven by vandalism and theft. The firm additionally handles insurance matters for businesses and vehicle owners and works with carriers such as Progressive, Mercury Insurance, and American Modern.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

321 Rahway Avenue, Elizabeth, NJ 07202

Expertise.com Rating

Review Sources

Google
4.4 (56)
Facebook
4.4 (7)
Yelp
3.0 (2)

Why choose this provider?

Dave Carrubba is a State Farm insurance agent who has been helping Elizabeth residents protect their homes and minimize their losses since 2017. He observes transparency and professionalism in presenting homeowners' insurance coverage against acts of nature, vandalism, or theft. Home contents like art pieces, jewelry, clothing, and electronics are also protected, along with various lawn and garden equipment such as tools and swings. Carrubba accommodates renters and condo unit owners with coverages that include personal liability.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

815 Elizabeth Avenue, Elizabeth, NJ 07201

Expertise.com Rating

Review Sources

Google
4.8 (82)
Facebook
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Angel Rodriguez, of Rodriguez Insurance and Financial Services Inc, is based in Elizabeth and has been a State Farm insurance agent since 2009. As an agent with State Farm, he helps property owners find the right homeowners' insurance policy to offer the coverage they need to protect their homes. Rodriguez and his staff, who speak Spanish, also provide other insurance products, including auto, life, business, pet, renter's, condo, and worker's compensation insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

1091 E Grand St, Elizabeth, NJ 07201

Expertise.com Rating

Review Sources

Google
4.4 (28)

Why choose this provider?

Established in 2019, UPIX Agency is committed to providing custom insurance policies and coverage to individuals, families, and business owners in Elizabeth. Its team is comprised of professional consultants who are knowledgeable in homeowners' and rental insurance plans. They also provide personal and commercial auto insurance, workers' compensation, life and health insurance, and bond. UPIX Agency also handles tax preparation for individuals, self-employed professionals, small business owners, partnerships, and corporations.

  • Personal Property Insurance
  • Multiple Policy Types

500 Rahway Avenue, Elizabeth, NJ 07202

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (4)

Why choose this provider?

Universal Financial and Insurance Agency is an Elizabeth-based insurance agency that provides various insurance policies. These include homeowners' insurance, which can protect the clients' dwelling from losses caused by accidents, weather, and non-weather incidents. The company's professional agents help their clients understand their property's value in order to choose the policy that will provide their home with maximum protection. Universal Financial and Insurance Agency represents several insurance providers, including Progressive, Travelers, and Mercury Insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

514 Westfield Avenue, Elizabeth, NJ 07208

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Global Insurance Agency, LLC is a full-service brokerage firm that offers insurance policy options to residents and business property owners in Elizabeth and the surrounding areas. The homeowner’s insurance policy provides financial protection for the client's home and other personal belongings in the unfortunate event of fire, wind, theft, and vandalism. The policy also covers personal liability that defends clients in the case of legal responsibility due to guests being injured while on the client's property.

  • Renter's Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
marctorres.com
433 North Wood Avenue, Linden, NJ 07036
Costa Do Sol Insurance Agency
650 Newark Ave, Elizabeth, NJ 07208
Dave Carrubba - State Farm Insurance Agent
321 Rahway Avenue, Elizabeth, NJ 07202
Angel Rodriguez - State Farm Insurance Agent
815 Elizabeth Avenue, Elizabeth, NJ 07201
UPIX Agency
1091 E Grand St, Elizabeth, NJ 07201
Universal Financial and Insurance Agency
500 Rahway Avenue, Elizabeth, NJ 07202
Global Insurance Agency, LLC
514 Westfield Avenue, Elizabeth, NJ 07208

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.
  • Is homeowners' insurance required for Elizabeth homeowners who have paid off their mortgages?

    No, Elizabeth homeowners who have paid off their mortgages are not required to have homeowners insurance by law. But if you do not have insurance, you will have to pay for any damages or injuries that happen on your property. So, even if you do not have a mortgage, experts strongly advise getting insurance to protect against unexpected costs and possible liability.

  • How long do Elizabeth residents typically have to wait for homeowners' insurance claim payments, and can they expect an initial advance?

    Residents in Elizabeth typically have to wait between 30 and 90 days for homeowners insurance claim payments. Although processing times vary depending on the insurer and the state, most insurance companies are expected to acknowledge claims within the first 30 days. Notably, insurance companies frequently provide an initial advance to facilitate early repairs, even before the final settlement is reached.

  • In Elizabeth, does a mortgage lender-required homeowner's insurance policy guarantee comprehensive coverage for every asset?

    No, a mortgage-required homeowner's policy in Elizabeth does not provide comprehensive coverage. While such policies may cover house repairs, they frequently do not cover specific contents such as furniture. Some household items may be covered, while others may not be, and standard policies generally exclude certain disasters, such as floods. Residents should carefully review their policy details and seek additional coverage from their insurance provider.

  • What factors can cause an Elizabeth home to be classified as high-risk for insurance purposes?

    Several factors influence a home's insurance risk level in Elizabeth. The proximity to the Jersey Shore can increase the risk of wind and hurricane damage. The crime rate in the neighborhood, local weather vulnerabilities, the age of the house, and its usage frequency all play a role. Unoccupied second homes, for example, may have higher rates due to increased loss chances when frequently vacant.

  • Is it possible for a homeowner in Elizabeth with minimal possessions to overinsure their property?

    Absolutely, Elizabeth residents may overpay for coverage if their homes or belongings do not correspond to their insurance policies. For example, someone renting a small apartment with few possessions may find that the insurance costs outweigh the replacement costs. Homeowners with few belongings may only need dwelling insurance. Even with limited coverage, having liability insurance is essential in the event of a legal dispute involving injuries or losses.

  • 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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