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2024

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Best Homeowners Insurance Agencies in Newark, NJ

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Newark 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.

169Reviewed

106Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

73 Newark Avenue, Belleville, NJ 07109
WebsiteLicense: 86053

Expertise.com Rating

Review Sources

Google
4.6 (7)

Why choose this provider?

Michael F. Iacangelo & Co., Inc. is an agency that has been providing homeowners' insurance plans for clients based in Newark for more than 60 years. It comprises independent agents representing several insurance carriers, such as Plymouth Rock, Progressive, Mercury, NJ Skylands, and Teachers. They also offer other insurance products, including family rental properties, automobiles, boats, motorcycles, and personal umbrellas. The insurance agency's owner, Marge Iacangelo, is available 24/7 to deliver emergency support.

  • Homeowners

150 Clove Rd, Little Falls, NJ 07424

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Founded in 1933, the family-owned Hahn Insurance Agency is an independent insurance agency located in Little Falls, New Jersey, and serving the Newark, New Jersey, metro area. Hahn Insurance Agency offers homeowners insurance and renters insurance and condo insurance. The president of the agency, Charles Hahn, has 25 years of experience in the industry. The agency has relationships with a diverse range of insurance carriers, including Chubb, the Hartford, Liberty Mutual, Merchants, Progressive, and Travelers. Other types of insurance provided by the agency include auto, health, life, and commercial policies.

  • Condos
  • Flood
  • Personal Property Insurance

360 Chestnut Street, Newark, NJ 07105
WebsiteLicense: 9828164

Expertise.com Rating

Review Sources

Google
4.1 (40)
Facebook
5.0 (5)
Yelp
1.0 (1)

Why choose this provider?

Conrado Arroyo is an insurance agent for State Farm who provides insurance services to clients in Newark and the surrounding areas. For more than 22 years, Arroyo has been offering products such as home insurance which covers the ability to replace or repair a home. It also covers items inside the home such as appliances, clothing, collectives, and damages from theft, fire, and vandalism. In addition, it may include liability in case someone gets hurt in the home or property.

  • Homeowners

445 Godwin Ave Ste 2, Midland Park, NJ 07432

Expertise.com Rating

Review Sources

Facebook
5.0 (22)

Why choose this provider?

Eastern Insurors is a Midland Park, New Jersey insurance agent that provides home insurance to residents of the Newark area. Founded in 1947, Eastern Insurors offers home insurance policies that cover structural damage, personal belongings, liability protection, and living expenses due to displacement in a disaster. The company additionally provides products for personal and commercial clients such as auto and renters insurance. Eastern Insurors is an independent brokerage and an Acrisure Agency partner. It sells insurance products from many reputable regional and national insurance carriers, including Chubb, Cumberland Insurance, and Progressive.

  • Earthquake
  • Flood
  • Personal Property Insurance

1129 Raritan Rd, Clark, NJ 07066

Expertise.com Rating

Review Sources

Facebook
4.8 (81)
Yelp
1.0 (1)

Why choose this provider?

American Insurance Services Agency is a Clark, New Jersey-based independent insurance agency providing a variety of insurance solutions for homeowners in the area and its surrounding counties. Founded in 1976, the firm offers comprehensive and packaged insurance options to property owners and individuals living in rental units. The agents help clients identify the basic and optional coverage options available for their properties, including apartments, townhouses, condos, and co-ops. In line with its mission, the business assists clients in making informed decisions about their assets' protection. The agency also provides auto, flood, and liability insurance.

  • Renter's Insurance
  • Condos
  • Flood

16-00 State Rt 208 Ste 103, Fair Lawn, NJ 07410

Expertise.com Rating

Review Sources

Google
4.8 (146)
Facebook
4.9 (43)

Why choose this provider?

ABA Insurance Agency is a local family owned independent insurance agency that has been serving the residents in the area, and surrounding counties since 2009. The company uses its relationships with major insurance carriers to explain, and offer different types of policies and plans to its clients. Their best interest is the client, and not the insurance company, as well as to make sure all clients are well informed and properly protected. ABA Insurance offers Auto/Home/Business/Life products.

  • Personal Property Insurance
  • Homeowners

177 Adams Street, Newark, NJ 07105
WebsiteLicense: 1039545

Expertise.com Rating

Review Sources

Facebook
4.7 (18)
Google
4.7 (14)

Why choose this provider?

Atlantis Agency is a privately held multi-line insurance company that has been serving clients in and around Newark since 2005. It offers homeowners' insurance policies, which cover the clients' dwellings, other structures, and personal properties. It also provides auto, all-terrain vehicle, boat, classic car, motorcycle, and recreational vehicle insurance options. Atlantis customizes business owners' packages and workers' compensation, life, and umbrella insurance solutions. It has partnered with several insurance carriers, such as AIG, MetLife, American Modern, and National General.

  • Renter's Insurance
  • Homeowners
  • Landlords

593 Kearny Avenue, Kearny, NJ 07032

Expertise.com Rating

Review Sources

Facebook
4.7 (7)
Google
5.0 (3)

Why choose this provider?

Borgos Hanlon Henry & Garcia, Inc., is a team of independent agents that offer personal and commercial lines of insurance for Newark individuals and businesses. Included in its product range is homeowners' insurance. The risk management specialists also furnish protection plans for mobile homeowners, condominium dwellers, and renters. They have access to a wide range of coverage options from their partner providers which include Progressive and Travelers. Borgos Hanlon Henry & Garcia has been protecting clients since 1920.

  • Flood
  • Multiple Policy Types
  • Multiple Carriers

217 Ferry Street, Newark, NJ 07105
WebsiteLicense: 8912447

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Morais Insurance Agency, Inc., provides services to clients in the Newark metro. It offers a wide range of insurance products, such as homeowners', auto, contractors', general liability, and lunch truck insurance plans. It also carries commercial liability and workers' compensation insurance policies. Morais Insurance Agency brings over 30 years of experience in the industry. Its team includes professionals who speak Spanish and Portuguese, allowing them to cater to a broader range of clients.

  • Multiple Policy Types

440 Market St Ste 1B, Elmwood Park, NJ 07407

Expertise.com Rating

Review Sources

Google
4.9 (31)
Facebook
5.0 (5)

Why choose this provider?

Preferred Choice Insurance Agency is a home insurance company that has been serving the residents of Newark, New Jersey, for more than a decade. The company works with multiple large insurance carriers, such as Progressive, Mercury, and Encompass, to provide its clients with options regarding their coverage. It sells insurance to the homeowners and landlords of the area, which covers loss of property and belongings due to burglary or a natural disaster, liability, and temporary relocation caused by a covered event. Preferred Choice Insurance Agency also sells auto and business insurance.

  • Renter's Insurance
  • Condos
  • Fire

400 River Dr, Garfield, NJ 07026

Expertise.com Rating

Review Sources

Google
4.7 (62)
Facebook
4.0 (51)

Why choose this provider?

Insurox Group Inc., located in Garfield, New Jersey, writes home insurance policies for residents of the greater Newark area. It draws on its relationship with more than 50 partner insurance carriers, including Foremost, Applied Underwriters, and The Hearth, to do a real-time online comparison of coverage and rates on needed home insurance for its clients. Most standard policies cover the structure of the home, personal belongings and contents inside the home, and any structures located on the property. Liability coverage is generally included. Insurox Group Inc. also sells condo, flood, and renters insurance.

  • Renter's Insurance
  • Condos
  • Flood

46 Washington St, Morristown, NJ 07960

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Robert Lloyd Coutts & Sons, which has insured New Jersey homes since 1930, is a family-owned, independent insurance agency located in Morristown. It works with 12 national and regional carriers that include Progressive, Travelers, and Empower (an Allstate company). The company shops each clients' insurance needs to find the best New Jersey homeowners rates. Separate policies are required for flood insurance, and earthquake coverage can be added as an endorsement to a homeowners policy. The company also offers auto, motorcycle, watercraft, and RV insurance. Its business policies range from from internet/cyber liability to complete business umbrella coverage.

  • Renter's Insurance
  • Condos
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Michael F. Iacangelo & Co., Inc.
73 Newark Avenue, Belleville, NJ 07109
Hahn Insurance Agency
150 Clove Rd, Little Falls, NJ 07424
Conrado Arroyo
360 Chestnut Street, Newark, NJ 07105
Eastern Insurors
445 Godwin Ave Ste 2, Midland Park, NJ 07432
American Insurance Services Agency
1129 Raritan Rd, Clark, NJ 07066
ABA Insurance Agency
16-00 State Rt 208 Ste 103, Fair Lawn, NJ 07410
Atlantis Agency
177 Adams Street, Newark, NJ 07105
Borgos Hanlon Henry & Garcia, Inc.
593 Kearny Avenue, Kearny, NJ 07032
Morais Insurance Agency, Inc.
217 Ferry Street, Newark, NJ 07105
Preferred Choice Insurance Agency
440 Market St Ste 1B, Elmwood Park, NJ 07407
Insurox Group Inc
400 River Dr, Garfield, NJ 07026
Robert Lloyd Coutts & Sons
46 Washington St, Morristown, NJ 07960

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.
  • Can you be denied homeowners’ insurance in Newark?

    Yes, homeowners’ insurance companies can deny coverage in Newark. You might not qualify for homeowners' insurance due to a range of factors related either to you as the policyholder or your property. Reasons like poor insurance scores, criminal records, coverage gaps, past claims, and other aspects could lead to disqualification. If the insurance company sees your property as too much of a risk, they could reject your application or end an ongoing policy.

  • How can you lower your homeowners' insurance premiums in Newark?

    To reduce your homeowners' insurance premiums in Newark, consider raising your deductible, bundling home and auto policies for potential discounts, safeguard your home against damage and disasters, and enhancing security with alarms and locks. You should also accurately insure for replacement costs, explore retiree or group discounts, stick with your current insurer, evaluate government-backed insurance plans for high-risk areas, and review policy limits and coverage needs annually.

  • Are floods covered by standard homeowners' insurance in Newark?

    No. Standard homeowners' insurance policies in Newark typically exclude coverage for water-related damage resulting from flooding. It is highly recommended to consult your insurance agent to secure flood insurance offered by the Federal Emergency Management Agency through the National Flood Insurance Program. While standard homeowners' insurance does not typically cover flood damage, you can access flood coverage through the federal NFIP.

  • Can your homeowners' insurance company in Newark cancel your policy?

    Your homeowners' insurance policy in Newark can be terminated or not renewed for different reasons, such as missed payments, alterations in underwriting standards, or changes in property condition. In certain situations, policyholders have the option to challenge the cancellation or nonrenewal by making adjustments to their home or policy to satisfy the insurer's requirements and maintain their coverage.

  • What happens if your Newark home is underinsured?

    If your home in Newark is underinsured, it means that your home insurance coverage is insufficient to provide adequate protection in the event of damage or destruction due to a fire or another calamity. Insufficient coverage can lead to you being responsible for a significant portion of the repair expenses. It's important to make sure your home is insured accurately and understand the mechanics of replacement costs in relation to settling 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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