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Best Homeowners Insurance Agencies in Elizabeth

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Angel Rodriguez - State Farm Insurance Agent logo
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Angel Rodriguez - State Farm Insurance Agent

815 Elizabeth Avenue, Elizabeth, NJ 07201
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Angel Rodriguez, of Rodriguez Insurance and Financial Services Inc, is based in Elizabeth and has been a State Farm insurance agent since 2009. As an agent with State Farm, he helps property owners find the right homeowners' insurance policy to offer the coverage they need to protect their homes. Rodriguez and his staff, who speak Spanish, also provide other insurance products, including auto, life, business, pet, renter's, condo, and worker's compensation insurance.

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 (82)
Facebook
5.0 / 5 (2)
Yelp
1.0 / 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
Costa Do Sol Insurance Agency logo
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Costa Do Sol Insurance Agency

650 Newark Ave, Elizabeth, NJ 07208
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Business Description

Based in Elizabeth, Costa Do Sol Insurance Agency assists homeowners in identifying insurance policies that fit their unique situations. The agency helps clients secure coverage for property damages caused by various factors including earthquakes, floods, and household pets. Costa Do Sol Insurance Agency also offers support for claims involving repair costs driven by vandalism and theft. The firm additionally handles insurance matters for businesses and vehicle owners and works with carriers such as Progressive, Mercury Insurance, and American Modern.

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)

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
Dave Carrubba - State Farm Insurance Agent logo
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Dave Carrubba - State Farm Insurance Agent

321 Rahway Avenue, Elizabeth, NJ 07202
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Dave Carrubba is a State Farm insurance agent who has been helping Elizabeth residents protect their homes and minimize their losses since 2017. He observes transparency and professionalism in presenting homeowners' insurance coverage against acts of nature, vandalism, or theft. Home contents like art pieces, jewelry, clothing, and electronics are also protected, along with various lawn and garden equipment such as tools and swings. Carrubba accommodates renters and condo unit owners with coverages that include personal liability.

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.
4.4
Google
4.4 / 5 (56)
Facebook
4.4 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Global Insurance Agency, LLC logo
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Global Insurance Agency, LLC

514 Westfield Avenue, Elizabeth, NJ 07208
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Global Insurance Agency, LLC is a full-service brokerage firm that offers insurance policy options to residents and business property owners in Elizabeth and the surrounding areas. The homeowner’s insurance policy provides financial protection for the client's home and other personal belongings in the unfortunate event of fire, wind, theft, and vandalism. The policy also covers personal liability that defends clients in the case of legal responsibility due to guests being injured while on the client's 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.
5.0
Google
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
marctorres.com logo
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marctorres.com

433 North Wood Avenue, Linden, NJ 07036
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  • Personal Property Insurance

Business Description

Marc Torres is a State Farm insurance agent providing services in the Elizabeth area. State Farm's homeowners' insurance can protect policyholders' items like jewelry, cameras, sports equipment, appliances, and furniture. It can also cover clients from threats like lightning and wind or damages that result from theft, fire, or vandalism. Marc has been an agent since 2008 and has notable accomplishments like the Multiple Ambassador Travel Qualifier, the Multiple Chairman's Circle Qualifier, and the Multiple Senior Vice President's Club Qualifier.

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.
4.9
Google
4.9 / 5 (224)
Facebook
4.5 / 5 (4)

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
Universal Financial and Insurance Agency logo
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Universal Financial and Insurance Agency

500 Rahway Avenue, Elizabeth, NJ 07202
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  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Business Description

Universal Financial and Insurance Agency is an Elizabeth-based insurance agency that provides various insurance policies. These include homeowners' insurance, which can protect the clients' dwelling from losses caused by accidents, weather, and non-weather incidents. The company's professional agents help their clients understand their property's value in order to choose the policy that will provide their home with maximum protection. Universal Financial and Insurance Agency represents several insurance providers, including Progressive, Travelers, and Mercury Insurance.

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 (8)
Google
5.0 / 5 (4)

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
UPIX Agency logo
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UPIX Agency

1091 E Grand St, Elizabeth, NJ 07201
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Established in 2019, UPIX Agency is committed to providing custom insurance policies and coverage to individuals, families, and business owners in Elizabeth. Its team is comprised of professional consultants who are knowledgeable in homeowners' and rental insurance plans. They also provide personal and commercial auto insurance, workers' compensation, life and health insurance, and bond. UPIX Agency also handles tax preparation for individuals, self-employed professionals, small business owners, partnerships, and corporations.

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.
4.4
Google
4.4 / 5 (28)

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
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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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