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Best Homeowners Insurance Agencies in Clifton

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Bogle Agency Insurance logo
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Bogle Agency Insurance

200 Stuyvesant Avenue, Lyndhurst, NJ 07071
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  • Multiple Policy Types

Business Description

Bogle Agency Insurance is a firm that services Clifton area residents in need of home insurance assistance. The agency helps homeowners secure insurance coverage for disaster-driven matters such as property damage repairs, replacements, and temporary living arrangements. Bogle Agency Insurance also offers coverage options for valuable items, flood damages, animal liabilities, and earthquake insurance. The firm has been in the insurance business since 1919 and holds memberships with the American Insurance Marketing and Sales Society and Professional Insurance Agents Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (51)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cupo Insurance Agency logo
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Cupo Insurance Agency

50 Mt Prospect Ave, Clifton, NJ 07013
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Cupo Insurance Agency is active in the Clifton metro area and helps clients to deal with any homeowners insurance needs. Its agents assist clients as they shop for rates and assemble custom policies that fulfill their coverage needs. Its plans can cover physical structures and any belongings inside them as well as living expenses should clients actually lose their homes. Cupo Insurance Agency can insure condos and mobile homes too. Auto insurance plans are available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (34)
Google
4.1 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Daman Associates Inc. logo
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Daman Associates Inc.

851 Franklin Lake Road, Franklin Lakes, NJ 07417
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  • Multiple Policy Types

Business Description

Daman Associates Inc. is an insurance agency that offers a variety of homeowners insurance plans. This company has over 25 years of experience serving customers and helps clients to find plans that cover the replacement costs of their dwellings and property. It helps them to purchase quotes and also responds to their needs when they want to adjust their policies or have issues or claims. Daman Associates Inc. offers condo insurance and renters insurance too.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.1 / 5 (9)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
DeStefano Associates, LLC logo
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DeStefano Associates, LLC

307 Bloomfield Avenue, Caldwell, NJ 07006
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

DeStefano Associates LLC is an insurance agency that offers homeowners insurance plans. It's staffed by experienced agents who can advise clients on available policies and provide quotes based on their coverage needs. Its policies serve to replace possessions lost in disasters or other incidents involving homes. They also cover for liabilities placed on homeowners if anyone is ever injured on their properties. Condominium insurance and renters insurance plans are available as well.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (15)
Google
4.4 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dominick Abramo - State Farm Insurance Agent logo
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Dominick Abramo - State Farm Insurance Agent

409 Broadway, Bayonne, NJ 07002
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Dominick Abramo, State Farm Insurance Agent, is an agency started in 2018 that sells homeowners insurance products via the State Farm network. It assists clients with any questions that they have about homeowners insurance and offers them a variety of quotes based on their circumstances and their coverage needs. Clients can cover their dwellings as well as their personal possessions and obtain liability insurance for guests. Dominick Abramo, State Farm Insurance Agent, offers auto insurance as well.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (76)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Imperial Agency Inc. logo
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Imperial Agency Inc.

60 Outwater Lane, Garfield, NJ 07026
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Condos

Business Description

Imperial Agency Inc. is a homeowners insurance agency serving the Clifton area. As an independent agency, it has been in the business since 1979. The company's team of insurance agents is committed to helping clients understand the difference between each policy so that they can make informed decisions. Depending on the client's preferences, a policy can cover damages to the dwelling or the house's structure, the surrounding structures, the home's contents, as well as personal liability claims on the property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.6 / 5 (14)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Innovate Insurance Agency, Inc. logo
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Innovate Insurance Agency, Inc.

521 Van Houten Avenue, Clifton, NJ 07013
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  • Multiple Policy Types

Business Description

Innovate Insurance Agency, Inc. serves the Clifton community. The agency is committed to providing a wide range of insurance options including homeowners' insurance policies. Depending on the client's needs and preferences, these policies may cover repairs or rebuilding projects, loss of personal property, and loss of use. Its agents strive to assist clients in preparing for potential risks and protecting their best interests. The business also offers its services to Spanish-speaking clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Karabulut and Co Insurance Agency LLC logo
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Karabulut and Co Insurance Agency LLC

318 Clifton Avenue, Clifton, NJ 07011
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  • Earthquake
  • Personal Property Insurance
  • Flood

Business Description

Karabulut and Co. Insurance Agency LLC assists homeowners around Clifton that seek to prevent financial losses due to property damages or destruction. The agency provides support in identifying coverage options for property repairs, personal contents, medical expenses, liabilities, and extra living expenses. Karabulut and Co. also works to secure additional coverage for earthquake and flood damages, automobiles, and jewelry. The firm's insurance portfolio includes a range of coverage options including renter's insurance, disability claims, and various commercial insurance types.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.3 / 5 (9)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Livingston Insurance Agency logo
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Livingston Insurance Agency

301 South Livingston Avenue, Livingston, NJ 07039
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  • Multiple Policy Types
  • Renter's Insurance
  • Flood
  • Condos

Business Description

Livingston Insurance Agency serves the Clifton metro area and assists clients with any needs related homeowner's insurance. Its agents provide quotes for homeowners' insurance policies and help clients to customize the coverage provided based on their needs and specific risks. This agency also services any claims that clients need to make and responds to their requests and inquiries. Livingston Insurance Agency also offers insurance for clients who own mobile homes, campers, or motor homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Marshall & Sterling logo
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Marshall & Sterling

555 Madison Avenue, New York, NY 10022
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  • Multiple Policy Types

Business Description

Marshall & Sterling offers homeowners insurance plans to clients in the Clifton metro area and helps them to deal with a multitude of issues when purchasing policies. It offers comprehensive plans that can cover dwellings and other structures on properties, account for the replacement costs of any belongings, and cover liabilities involving guests that may be hurt on properties. Condo and renters insurance plans are available as well. Marshall & Sterling can insure automobiles and watercraft too.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Sadowski Insurance Agency logo
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Sadowski Insurance Agency

258 Dayton Avenue, Clifton, NJ 07011
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Business Description

Sadowski Insurance Agency is an independent broker bridging carriers and individuals with insurance needs in Clifton and the surrounding areas. Agents shop for multiple coverages in the marketplace and present several options to customers. The team also assesses policies to identify if policyholders overpay for their insurance. Homeowners' insurance covers damages from windstorm or hail, theft, fire or lightning, explosion, riot, and other accidental events. This type of insurance also includes liability protection.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (29)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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 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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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