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2024

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Best Homeowners Insurance Agencies in Passaic, NJ

Our Recommended Top 8

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 Passaic 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.

47Reviewed

31Curated

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
4.1 (7)

Why choose this provider?

Bogle Agency Insurance has been providing a wide range of insurance products and services near Passaic to businesses and families for over 96 years. It has home insurance policies that cover the costs of repairs or replacement of homes and personal belongings, as well as living expenses. Homeowners can purchase additional insurance coverage from the agency for valuable items, such as artwork, antiques, and furs. Bogle Agency also offers auto, health, disability, and recreational vehicle insurance policies.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

521 Van Houten Avenue, Clifton, NJ 07013

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

Innovate Insurance Agency, Inc. is a team of professionals offering personalized insurance coverages throughout Passaic and nearby communities. The business provides homeowners' insurance to protect the customer's home from unforeseen circumstances. The home insurance policy covers loss of use, damage to one's home, material, or loss of other personal property. The company also offers other types of insurance options, such as workers' compensation, general liability, commercial auto, and excess umbrella insurance coverages.

  • Multiple Policy Types

60 Outwater Lane, Garfield, NJ 07026

Expertise.com Rating

Review Sources

Google
3.5 (16)
Facebook
5.0 (4)

Why choose this provider?

Imperial Agency Inc. is an independent insurance company providing personal and business insurance to clients in Passaic since 1979. Its agents work with several insurance carriers on behalf of clients who want to have their properties and possessions protected. The company offers insurance plans for homeowners, condominium owners, and renters. Home insurance covers dwellings, personal belongings, personal liability, and additional living expenses. Clients can have additional coverage for priced items such as antiques, jewelry, fine art, collections, trophies, and electronics.

  • Multiple Policy Types

5 East Spring Valley Avenue, Maywood, NJ 07607

Expertise.com Rating

Review Sources

Google
5.0 (44)
Facebook
5.0 (5)

Why choose this provider?

The Insurance Center of North Jersey is located near Passaic. This independent agency helps clients to obtain insurance for their house or condo, ensuring they have adequate coverage for the value of their home, as well as any important personal property they keep inside of it. Other insurance options at this agency include auto, business, and personal liability insurance. The Insurance Center of North Jersey works with top carriers such as Progressive and Travelers.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

50 Mount Prospect Avenue, Clifton, NJ 07013

Expertise.com Rating

Review Sources

Google
4.1 (7)
Facebook
5.0 (6)

Why choose this provider?

Cupo Insurance Agency is a locally owned and operated business that has been offering insurance solutions for 75 years. The company services Passaic and the surrounding regions. The professionals from this firm offer home insurance coverage options, including mobile home, condo, in-home business, and renters' insurance services as well as homeowners' liability. Its standard home insurance policy can cover weather damage, theft, and fire incidents. Cupo Insurance Agency also has insurance plans for recreation vehicles, farm owners, and contractors.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

1033 Clifton Avenue, Clifton, NJ 07013

Expertise.com Rating

Review Sources

Google
3.7 (3)
Facebook
5.0 (1)

Why choose this provider?

Thomas Tobin is an insurance agent with State Farm who assists individuals in obtaining personalized property protection plans. Thomas offers 30 years of insurance experience to residents in Passaic, Bergen Counties, and Essex. Clients who own a condo, an apartment, or a house can apply for insurance coverages that can specifically address their needs. Thomas is a board member volunteer of the United Way of Greater Newark. His agency also handles other insurance products such as auto, business, pet, and life.

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

228 Boulevard, Hasbrouck Heights, NJ 07604

Expertise.com Rating

Review Sources

Google
4.8 (24)

Why choose this provider?

Allen & Allen Insurance Agency offers insurance solutions for families and businesses in Passaic and throughout the region. The agents discuss the different types of homeowners' insurance policies that the clients can choose from, such as a basic policy to policies with a wider range of coverages. The basic policy usually includes dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, and liability protection. Established in 1924, the independent insurance agency represents multiple insurance carriers.

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

190 Moore St, Hackensack, NJ 07601

Expertise.com Rating

Review Sources

Google
5.0 (35)

Why choose this provider?

Kusel Associates Insurance offers homeowners insurance policies for residents of Passaic and its nearby communities. Its team strives to help its clients obtain the best possible coverage to suit their needs by providing advice about policy add-ons and coverage amounts. It works with carriers such as Foremost Insurance Group and Mercury Insurance, searching for the best possible quote for every client. Other types of insurance carried by Kusel Associates include auto, restaurant, and business insurance.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Bogle Agency Insurance
200 Stuyvesant Avenue, Lyndhurst, NJ 07071
Innovate Insurance Agency, Inc.
521 Van Houten Avenue, Clifton, NJ 07013
Imperial Agency Inc.,
60 Outwater Lane, Garfield, NJ 07026
The Insurance Center of North Jersey
5 East Spring Valley Avenue, Maywood, NJ 07607
Cupo Insurance Agency
50 Mount Prospect Avenue, Clifton, NJ 07013
Thomas Tobin - State Farm Insurance Agent
1033 Clifton Avenue, Clifton, NJ 07013
Allen & Allen Insurance
228 Boulevard, Hasbrouck Heights, NJ 07604
David Kusel Associates Insurance
190 Moore St, Hackensack, NJ 07601

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 necessary in Passaic?

    In Passaic, homeowners' insurance is not mandatory. However, your mortgage lender will likely require it if you financed your home. Nonetheless, obtaining homeowners' insurance is advisable to ensure your home receives sufficient protection. This is particularly crucial in Passaic, given the various weather-related hazards that residents encounter year-round.

  • What is the importance of annually assessing your Passaic homeowners' insurance?

    It's crucial to review your Passaic homeowners' insurance policy annually for these reasons:

    • Changes in your situation: Ensuring that your policy matches your current situation helps you prevent issues like non-renewal or denied claims.
    • Premium increases: A policy review explains the reasons behind premium increases.
    • Find discounts: With the assistance of your insurance agent, you can uncover potential discounts that you can take advantage of.
  • What are a few home improvement tasks you can do yourself to reduce your Passaic homeowners' insurance costs?

    Some cost-effective DIY projects to save on Passaic homeowners' insurance are:

    • Pool safety improvements: If you have a backyard pool, add a compliant safety fence to lower accident risks and earn potential insurance discounts.
    • Roof care: Regular inspections and durable materials, like tile or metal for new roofs, can lead to non-asphalt roof discounts and maintenance savings from your insurer.
    • Home safety improvements: Improve home safety with smoke and carbon monoxide detectors, storm shutters, and leak detectors to lower insurance premiums.
  • What is the appropriate amount of homeowners' insurance needed in Passaic?

    The amount of homeowners' insurance you will need in Passaic depends on various factors. These include your home's value, personal belongings, rebuilding costs, and your unique situation. To determine your ideal coverage, calculate the replacement costs, assess liability coverage, examine insurance regulations, factor in living costs, and seek professional advice.

  • When can you change your homeowners' insurance carrier in Passaic?

    You have the freedom to switch your Passaic homeowners' insurance provider whenever you prefer. Nevertheless, the most convenient time for this change is usually when your policy is nearing its annual renewal. A renewal notice shall be sent to you well in advance, giving you plenty of time to make changes or switch insurance providers. If you believe it's in your best interest, you can also opt for a carrier change before your policy's scheduled renewal date.

  • 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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