Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Brick

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 Brick 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.

49Reviewed

32Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2900 New Jersey 88, Point Pleasant, NJ 08742

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (8)
Yelp
5.0 (2)

Why choose this provider?

I & E Insurance Agency and Financial Services is an award-winning independent insurance agency serving clients near Brick. The agency's owners have more than 80 years of combined experience helping homeowners find the right insurance policy to protect their homes. Homeowners' insurance policies help financially reimburse a property owner if their properties get damaged or destroyed. Depending on included coverage, these policies can also cover liabilities and natural disasters. In most cases, clients must purchase flood insurance separately.

  • Multiple Policy Types

1875 Route 88 East, Brick, NJ 08724

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
4.9 (7)

Why choose this provider?

Tri County Agency of Brick, Inc. is a family-owned and operated insurance agency that serves residents and businesses in Brick. The insurance agency works with clients to assess their homeowners' insurance needs and guide them through the claims process. The agency, which represents multiple insurance carriers, also helps clients in solving their homeowners' insurance problems and explaining the insurance options available to them. The agency, which offers 24/7 emergency services, also provides jewelry, fine art, wedding, special event, life, and business insurance.

  • Multiple Policy Types

474 Brick Boulevard, Brick Township, NJ 08723

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (6)
Yelp
1.0 (1)

Why choose this provider?

Jody Huss is a State Farm insurance agent providing insurance solutions to residents in Brick, Brielle, Point Pleasant, and Lakewood. Huss has been with State Farm and offering homeowners' insurance plans to individuals and families for over two decades. The policy protects the client's home and belongings from various dangers such as fires, lightning, and accidental plumbing system damages. Huss is also available to assist in evaluating and determining the coverage amount of the home.

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

291 Herbertsville Road, Brick, NJ 08724

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
4.0 (4)

Why choose this provider?

For over 30 years, All Protector Agency, LLC has been serving individuals and families who need guidance in selecting insurance plans. The agency near Brick works with numerous carriers to provide a wide range of insurance products to homeowners. It conducts consultation with clients to ensure that they will find additional features in various plans that cover security systems, home renovation, deadbolt locks, and fire extinguishers. It also makes clients' homes more disaster-resilient, which helps when purchasing insurance.

  • Fire
  • Multiple Policy Types

1533 New Jersey 88, Brick Township, NJ 08724

Expertise.com Rating

Review Sources

Google
4.3 (3)

Why choose this provider?

Justin E. Taylor/Gilbert Insurance Agency is an independent firm based in Brick, New Jersey. It specializes in personalized homeowners' insurance plans, and caters to clients seeking comprehensive insurance protection for their residential properties. Its standard homeowners' insurance coverage includes the dwelling and other structures, personal belongings, additional living expenses, and personal legal liabilities. It also offers supplementary policies, such as home replacement guarantee and replacement costs on contents, for clients looking for additional security. Auto insurances, commercial insurance packages, and recreational coverages are also available.

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

960 East County Line Road, Lakewood, NJ 08701

Expertise.com Rating

Review Sources

Google
4.8 (36)
Facebook
5.0 (5)

Why choose this provider?

Prime Insurance Agency provides personal and business insurance options for clients in Brick and the surrounding communities. The team of agents helps clients find the right homeowners' insurance policy that matches the clients' needs and budget. The policy compensates for the repair or replacement of private residences and personal belongings in the unfortunate event of disasters. The insurance is available for homeowners, condo owners, renters, and landlords. The agency has been in the business since 2001.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

1442 Lakewood Road, Manasquan, NJ 08736

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (4)

Why choose this provider?

SIA Insurance Services provides 35 years of insurance experience to families and small businesses in Brick and the surrounding areas. Its agents gather homeowners' insurance coverages and present multiple options to clients needing financial protection from future losses due to storms, fires, and theft. The business also caters to individuals residing in apartments, mobile homes, condominiums, and properties owned by the clients' business. The team attends to clients' concerns about flood-related property damages.

  • Multiple Carriers
  • Condos
  • Multiple Policy Types

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.
  • What must an insurer do if they decide not to renew a Brick homeowner's insurance policy after it expires?

    When an insurer opts not to continue a Brick homeowner's policy post-expiration, they're required to dispatch a written notice 30 days prior. This notice, whether for non-renewal or cancellation, has to spell out the clear reasons and facts justifying the action. Homeowners ought to review their policy documents to grasp potential non-renewal causes.

  • How can Brick residents best organize their possessions for homeowners' insurance purposes?

    Brick residents can effectively organize their possessions for homeowners' insurance purposes by conducting a room-by-room inventory. Documenting items and their values is essential, with special attention to high-value items. While photos are beneficial, videos offer an in-depth overview. Holding onto purchase receipts is paramount, serving as irrefutable evidence. It's best to store these records outside the home, such as in a safety deposit box or with a reliable friend, ensuring they're untouched even if disaster befalls the home.

  • How can Brick residents ensure they fully comprehend their homeowners' insurance policy?

    To understand their homeowners' insurance policy, Brick residents should thoroughly review their documents and seek clarity on terms like deductibles, replacement costs, and premiums. Key points to note include the upfront cost, replacement costs for property or parts of a building, and regular premium, billed either annually or monthly. If there's any confusion, reaching out to an insurance representative is paramount.

  • How can Brick residents determine their personal liability coverage needs for homeowners' insurance?

    Brick residents can determine their personal liability coverage needs for homeowners' insurance by calculating their net worth, which is the difference between their total assets and liabilities or debts. The resulting figure, rounded to the nearest $100,000, represents the minimum coverage they should have. If this amount exceeds the insurer's maximum liability coverage, they should consider obtaining a liability umbrella policy.

  • Can Brick residents bundle their homeowners' insurance with other policies, like auto insurance?

    Yes, they can. In fact, for many Brick residents, bundling homeowner's insurance with their car insurance often yields financial discounts. Though combining policies frequently results in monetary advantages, note that everyone's situation is different. Hence, it's imperative for individuals to research and dialogue with their insurance providers to ensure optimal savings.

  • 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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