Expertise.com Homepage

2024

Last updated:

Best Renter's Insurance Companies in Toms River, NJ

Our Recommended Top 5

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 Toms River Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

37Reviewed

24Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

617 Route 37 West, Toms River, NJ 08755
WebsiteLicense: 9251118

Expertise.com Rating

Review Sources

Google
5.0 (216)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

For nearly three decades, Steve Meehan has been serving in Toms River and other surrounding towns as an insurance agent of State Farm. Some of his product offerings are homeowners', renters', auto, life, and business insurance plans. For the renters' insurance, the coverage includes liability claims and recovery of lost or damaged personal belongings after a fire, theft, or vandalism incident. Steve and his team serve individuals, families, and small businesses. Other products include mutual funds, annuities, and banking.

  • Multiple Carriers

1410 Hooper Avenue, Toms River, NJ 08753
WebsiteLicense: 1070288

Expertise.com Rating

Review Sources

Google
4.7 (51)
Facebook
5.0 (7)

Why choose this provider?

Kevin Carroll is a State Farm insurance agent serving individuals in Toms River and the surrounding communities. Carroll offers home and property insurance policies, with options for renters' insurance coverages for clients seeking to protect their belongings inside and outside their rental properties. He provides insurance policies that secure clients' cars, homes, businesses, and pets. He also handles requests for mutual funds, banking, and annuities. Carroll uses various means to reach out to clients and answer their concerns, including emails, calls, and text messages.

  • Multiple Policy Types

285 Atlantic City Blvd., Bayville, NJ 08721
WebsiteLicense: 1177920

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

All Atlantic Insurance Agency is an independent brokerage that has been serving residents and commercial businesses in Toms River for over 10 years. Its renters' insurance covers personal belongings in cases of water damage, explosions, and theft. It can also cover liability, loss of use, and medical payments in case of injuries within the rental property. Additionally, the brokerage provides umbrella insurance and coverage for homeowners, condominiums, watercraft, and recreational vehicles. Policy buyers can utilize the premium comparison tool on the agency's website.

  • Multiple Carriers
  • Multiple Policy Types

240 Main St, Toms River, NJ 08753
WebsiteLicense: 8106225

Expertise.com Rating

Review Sources

Facebook
5.0 (50)
Google
4.8 (19)
Yelp
3.0 (2)

Why choose this provider?

BHI Toms River is part of the family of agencies of BHI Insurance Associates, which is an independent insurance agency. For over 50 years, it has been offering numerous coverage options, including homeowners' and renters' insurance, health insurance, life insurance, auto insurance, and business insurance packages. Whether a renter is residing in an apartment, condo, or single-family home, the renters' insurance covers the replacement of lost or damaged personal properties after a fire, theft, lightning strike, or other covered incident.

  • Home and Auto Insurance

17 Route 37 East, Toms River, NJ 08753
WebsiteLicense: 106342

Expertise.com Rating

Review Sources

Google
4.3 (6)
Facebook
4.0 (6)

Why choose this provider?

Priority Insurance Agency offers a wide array of protection plans such as renters' coverage in Toms River. With a goal to educate the clients in the local community and throughout New Jersey, it informs them about their options for securing their properties from threats like fire, smoke, and windstorms, as well as riots, vandalism, and theft. The agency also assists in adding features like personal property and liability coverage. It carries products from Chubb, John Hancock, and Zurich.

  • Multiple Policy Types
  • Home and Auto Insurance

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Steve Meehan
617 Route 37 West, Toms River, NJ 08755
Kevin Carroll
1410 Hooper Avenue, Toms River, NJ 08753
All Atlantic Insurance Agency
285 Atlantic City Blvd., Bayville, NJ 08721
BHI Toms River
240 Main St, Toms River, NJ 08753
Priority Insurance Agency
17 Route 37 East, Toms River, NJ 08753

FAQs

  • Can you use your renters' insurance if your rental unit is damaged in Toms River?

    Your renters' insurance is specifically designed to protect your personal belongings and does not extend coverage to damage to the physical structure of your rental unit in Toms River. The responsibility for such structural damage typically falls under your landlord's insurance. It's crucial to understand the scope of your policy to avoid complications in the event of any damage.

  • What happens if you forget to pay your renters' insurance premium in Toms River?

    If you fail to make the payment for your renters' insurance premium in Toms River, there's a chance that your insurance coverage could be canceled or temporarily suspended. Typically, insurance providers grant a grace period after the due date, usually between 10 to 30 days. Making the payment during this grace period will lead to the reinstatement of your policy. However, if the payment is not made within the grace period, your policy may face cancellation or suspension.

  • Does obtaining renters’ insurance require a credit check in Toms River?

    Obtaining renters' insurance in Toms River requires a credit check by insurance companies, but this check is categorized as a soft inquiry, meaning it does not affect your credit score. However, if you have a history of numerous or recent claims, or if your credit score is low, you may be deemed a higher risk by insurance providers. These can then influence your insurance premiums and coverage.

  • Can a landlord be held responsible for visitor injuries on their premises if you don't have renters' insurance in Toms River?

    According to premises liability laws in New Jersey, landlords or property owners are legally obligated to maintain a safe environment for both tenants and visitors on their rental property in Toms River. If a landlord's negligence results in an injury, they can be held liable for the harm caused to tenants or visitors, regardless of whether the tenant has a renters' insurance policy.

  • Can you file a renters' insurance claim for stolen property outside of your rental unit in Toms River?

    Renters' insurance allows you to file a claim for lost or stolen property, regardless of whether the incident occurred within or outside your rental property in Toms River. However, there are certain limits and exceptions to coverage. High-value items, such as cash, credit cards, firearms, furs, jewelry, and silverware, are typically only covered up to specific limits specified in your policy.

Related Articles

FeaturedHome-Remodel-Hero

Survey: COVID-19 Pandemic Leads to Surge in Demand for Renters Insurance

We surveyed 1,000 renters in the U.S. to see how the pandemic changed their thoughts about renters insurance, what they look ...