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2024

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Best Homeowners Insurance Agencies in Paterson, 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 Paterson 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.

91Reviewed

57Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

16-00 Route 208 South, Fair Lawn, NJ 07410

Expertise.com Rating

Review Sources

Google
5.0 (123)

Why choose this provider?

ABA Insurance Agency is an independent insurance provider that serves New Jersey and 11 other states across the country. Its Fair Lawn location is just a few miles away from existing and prospective policyholders in Paterson. Founded in 2009, the firm provides a comprehensive range of products, including homeowners' insurance. A typical home insurance policy protects the dwelling, unattached structures, and personal property. It includes coverage for loss of use, medical expenses, and personal liability.

  • Condos
  • Multiple Policy Types
  • Flood

216 Old Tappan Road, 18A Bi-State Plaza, Old Tappan, NJ 07675

Expertise.com Rating

Review Sources

Google
5.0 (45)
Yelp
5.0 (4)

Why choose this provider?

Serving clients in the Paterson area, Joe Rubino State Farm Insurance Agency offers a variety of insurance services for homeowners. This agency offers help with selecting policy inclusions and obtaining rates, as well as assistance with claims and policy changes. Its home insurance policies can include coverage for accidents that occur within the home, as well as theft and natural disasters. Other products this agency sells include auto, business, and life insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

72 North Broadway, Nyack, NY 10960

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

A&M Insurance Agency is an independent brokerage that's located near Paterson. This agency helps clients to shop for home insurance policies from top carriers, including Foremost Insurance Group and Farmers. Its agents offer advice when it comes to how much coverage should be purchased and what types of add-ons should be written into clients' policies. In addition to home insurance, this agency also sells auto, life, and business insurance products.

  • Earthquake
  • Personal Property Insurance
  • Fire

669 River Drive, Elmwood Park, NJ 07407

Expertise.com Rating

Why choose this provider?

Loyas Group Insurance Services has been protecting homes and assets since 1955 in and around Paterson. Its team of agents observes transparency in presenting policies for homes, renters, and condos, and assesses each situation based on client affordability. Insured renters are covered for theft, fire, and personal liability. Condos and belongings are covered with respect to the condominium master policy. An optional flood insurance coverage for homeowners provides a second layer of protection from natural occurrences.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

746 River Road, New Milford, NJ 07646

Expertise.com Rating

Review Sources

Google
4.4 (7)
Yelp
5.0 (1)

Why choose this provider?

Nelson-Patterson Agency, Inc., is an insurance agency in Paterson that was established in 1945. It provides clients with professional insurance, risk management, employee benefit plan administration, and other services that may involve finance. Under its auto and home insurance, policies may cover personal auto, personal umbrella, homeowners, renters, and condos. It may also include flood insurance, motorcycle, ATV, travel trailer, and more. It also provides policies for businesses, health, and financial needs.

  • Condos
  • Multiple Policy Types
  • Renter's Insurance

50 Mount Prospect Avenue, Clifton, NJ 07013

Expertise.com Rating

Review Sources

Google
4.0 (6)

Why choose this provider?

Cupo Insurance Agency is a New Jersey-based insurance firm providing insurance products and solutions to residents of Paterson. It offers comprehensive homeowners' insurance policies inclusive of coverage for property insurance, homeowners' liability, scheduled property insurance, and in-home business insurance. It also offers renters' insurance, condo insurance, mobile home insurance, and landlords' insurance. Cupo agents provide assistance in expanding coverage options to ensure that the specific needs and requirements of clients are met. The agency also offers a broad range of personal and business insurance products.

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

60 Outwater Lane, Garfield, NJ 07026

Expertise.com Rating

Review Sources

Yelp
4.0 (23)
Google
3.5 (16)

Why choose this provider?

Imperial Agency Inc. is an independent insurance agency servicing the residents of Paterson. Founded in 1979, this company has home insurance plans for homeowners, condo owners, and renters. Its insurance specialists help homeowners understand their coverage options and work with various insurance carriers to find applicable home insurance products. Policyholders obtain financial protection for structural damages, loss of personal belongings, and liability claims. Imperial Agency Inc. offers extra coverage for valuables, such as fine art and trophies.

  • Multiple Policy Types

55 Harristown Road, Glen Rock, NJ 07452

Expertise.com Rating

Review Sources

Google
5.0 (127)
Yelp
5.0 (72)
Facebook
5.0 (9)

Why choose this provider?

Donnelly & Sproul, Inc. is a full-service insurance company that serves clients in Paterson. It was established in 1927. It offers homeowners' policies that cover property damage caused by natural calamities like strong winds and hail or man-made incidents like riots and theft. The company assesses the property's specifications, including the number of rooms, total area, and materials used to better gauge its value. The insurance policy can then cover replacements or reimbursements for reconstruction or relocation.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
ABA Insurance Agency
16-00 Route 208 South, Fair Lawn, NJ 07410
Joe Rubino - State Farm Insurance Agent
216 Old Tappan Road, 18A Bi-State Plaza, Old Tappan, NJ 07675
A&M Insurance Agency Inc
72 North Broadway, Nyack, NY 10960
The Loyas Group
669 River Drive, Elmwood Park, NJ 07407
Nelson-Patterson Agency, Inc.
746 River Road, New Milford, NJ 07646
Cupo Insurance Agency
50 Mount Prospect Avenue, Clifton, NJ 07013
imperial79.com
60 Outwater Lane, Garfield, NJ 07026
Donnelly & Sproul, Inc.
55 Harristown Road, Glen Rock, NJ 07452

Paterson, NJ Homeowners Insurance Agency FAQs

  • How much does homeowners’ insurance cost in Paterson?

    In Paterson, the average annual homeowners’ insurance premium for a dwelling coverage of $250K is $861. This is significantly lower than the national average cost of $1,428 per year. Meanwhile, cities in New Jersey with the most expensive homeowners’ insurance premiums include Middletown, Shrewsbury, Red Bank, Salem, and Toms River.

  • How can Paterson residents lower their homeowners’ insurance premiums?

    Residents of Paterson may be able to lower their homeowners’ insurance costs if they make a one-time payment for their entire premium for the year. Because of New Jersey’s vulnerability to storms, those with storm shutters and impact-resistant glass may also qualify for discounts. In addition, those who are aged 65 or older may be offered cheaper premiums.

  • Do Paterson homeowners’ insurance policies cover flood damage?

    Homeowners’ insurance policies in Paterson do not typically cover damage caused by flooding. Because the state is prone to storms and floods, it may be prudent to take out additional flood damage coverage. The average cost of a flood insurance policy in Paterson underwritten by the National Flood Insurance Program is $1,293.

  • What property damage is not covered by Paterson homeowners’ insurance policies?

    Standard homeowners’ insurance policies in Paterson typically do not cover damage caused by earthquakes and sinkholes, power failure, neglect and intentional acts, and nuclear hazards. Other types of damage that are not typically covered include those caused by governmental action, including the destruction, confiscation, or seizure of property by an authority.

  • What are the advantages of working with an independent insurance agent in Paterson?

    Those in Paterson who wish to take out homeowners’ insurance may benefit from working with an independent insurance agent, as the latter helps compare policies offered by multiple carriers. An independent agent may also assist with homeowners’ unique coverage needs. There are more than 400 independent insurance agencies in New Jersey.

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