Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in New Jersey

Our Recommended Top 13

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 New Jersey 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.

5037

Reviewed

3027

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Caldwell

Why choose this provider?

DeStefano Associates, LLC, is the best insurance agency that serves all of New Jersey. Its homeowners' insurance pays policyholders in case their personal properties or tangible assets are damaged in a fire or other disaster. It also protects clients against liability from someone injured in their home. Its personal insurance offerings include auto, motorcycle, travel, and valuable items. For business owners, builders� risk, and general, professional, and cyber liability insurance policies are available. The third-generation independent insurance provider has been serving the state since 1961.

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

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

Website
New York

Why choose this provider?

Jewelz Santiago is the best insurance agent who has been representing State Farm for more than 16 years in New Jersey. She provides owners of homes, apartments, and condo units with insurance coverages. Life, health, auto, boat, motorcycle, and business insurance policies are available. She also helps clients with financial products such as banking and annuities. Santiago's independent agency is licensed in New York, Connecticut, and Pennsylvania. Her affiliation, State Farm, has been offering insurance products and services for over 100 years.

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

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

Website
Philadelphia

Why choose this provider?

Marat Ioshpa has been a State Farm insurance agent in New Jersey since 2010. He helps homeowners secure their properties by offering them the best and cheapest insurance policies. Other insurance plans available include life, health, auto, pet, and business coverage. He extends his services to clients in need of assistance regarding financial products such as mutual funds, banking, and annuities. State Farm is one of the institutions in the insurance industry as it has been serving for over 100 years.

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
Google
4.7 / 5 (282)
Facebook
4.9 / 5 (88)
Yelp
3.7 / 5 (6)

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

Website
Berlin

Why choose this provider?

First Brokers Insurance operates in New Jersey and is highly regarded as the best agency in the Garden State. It offers homeowners' insurance coverage for apartments, condominiums, vacation homes, mixed-use properties, and houses under renovation. Policies are also available for bankrupt or foreclosed homes or those with lapsed insurance. Other insurance plans the company offers are for auto, life, and business. Since 1989, First Brokers Insurance has been representing over 90 insurance carriers to offer clients a broad range of packages and coverage options.

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

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

Website
Brooklyn

Why choose this provider?

Greenpoint Insurance Brokerage provides clients in New Jersey with the best personal and commercial protection plans. Its homeowners' insurance policy covers expenses caused by damage to property and protects the policyholders and their families against legal responsibility for injuries and property damages. It offers auto, motorcycle, life, health, and commercial insurance plans. The agency extends its services to business owners who need help with tax preparation, notary public, and corporate formation. It represents several carriers to meet the different insurance needs of each client.

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 (43)

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

Website
Jersey City

Why choose this provider?

Preferred Choice Insurance Agency helps the New Jersey community get protection plans. It offers the best types of homeowners' insurance policies covering expensive, luxury, one- and two-story, and standard houses. The coverage also includes protection for the policyholder's personal belongings. Its agents also provide insurance for auto and business owners. The full-service insurance provider has been serving for more than 12 years. It partners with several insurance carriers to provide clients with a variety of options.

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 (37)
Facebook
5.0 / 5 (6)
Yelp
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

Website
Linden

Why choose this provider?

Marc Torres is an insurance agent who serves clients residing in New Jersey. His office is the best in providing homeowners' insurance policies in the state. The other products that he offers are auto, life, and business insurance plans. He extends his services to individuals in need of assistance with banking and mutual funds. Torres, who started working as an agent for State Farm in 2002, leads a team made up of professionals fluent in Spanish.

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

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

Website
Glen Rock

Why choose this provider?

Since 1927, Donnelly & Sproul, Inc., has been providing the New Jersey community with a full line of insurance products for personal and business protection. It offers the best homeowners' insurance policies protecting properties against risks such as fire, smoke, hail, windstorm, lightening, and civil commotion. The insurance plan reimburses clients for replacement costs of the home and mortgage requirements. Auto, life, and umbrella insurance are also available. For commercial clients, the company offers general liability and workers' 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.
5.0
Google
5.0 / 5 (134)
Facebook
5.0 / 5 (17)
Yelp
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

Website
Marlboro

Why choose this provider?

Rick Duran offers different insurance products in New Jersey. Duran is one of the best agents in the state who helps homeowners get insurance plans. Other insurance policies cover life, cars, pets, and businesses. Assistance in financial matters, such as banking and annuities, is offered. Duran opened his independent insurance agency in 2014. Duran and his team also cater to the Spanish community. He is a part of the over 19,000 insurance agents of State Farm. He is also licensed in New York and Pennsylvania.

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 (791)
Facebook
5.0 / 5 (175)

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

Website
Elizabeth

Why choose this provider?

One of the best insurance agents in New Jersey is Angel Rodriguez. He offers personal and commercial insurance products, including homeowners' protection plans. Other insurance policies are for car, motorcycle, life, personal and commercial liability, and workers' compensation. Financial products such as banking, mutual funds, and annuities are also available. Rodriguez has been an insurance agent representing State Farm since 2009. Together with his team, they help clients understand the insurance they are getting and how they can protect their families. Spanish services 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
Google
4.8 / 5 (110)
Facebook
5.0 / 5 (7)
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

Website
Jersey City

Why choose this provider?

Joe Nachbaur helps homeowners in New Jersey secure the best insurance policy. Nachbaur offers insurance plans for auto, life, and pets. Insurance coverages for business owners are also available. He helps clients on financial matters involving annuities, banking, and mutual funds. Nachbaur is one of the 19,000 State Farm insurance agents in the USA. He has been a part of the insurance industry since 1996. His independent agency has received several awards, including the State Farm Chairman�s Circle and Legion of Honor.

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.
4.6

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

Website
Newark

Why choose this provider?

Atlantis Agency offers the best protection coverages for personal and commercial clients in New Jersey. Its agents provide homeowners with the cheapest insurance plans that protect their dwelling, surrounding structures, and personal property. The homeowners' insurance plan covers additional living costs and expenses related to reasonable repairs or debris removal. Auto, life, renters', and business insurance are also available. The multi-line agency's role is to identify and minimize the clients' exposure to risk by helping them select a policy from multiple insurance carriers.

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
4.7 / 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

Website
Belleville

Why choose this provider?

Michael F. Iacangelo & Co., Inc., is the best insurance agency serving clients in New Jersey. Its team of professionals helps individuals select the homeowners' insurance policy suitable to their needs. This product also protects the existing and future assets of the policyholder. The agency's other protection plans cover cars, boats, motorcycles, and rental properties. It has been handling the community's insurance needs since 1957 and is available any time of the day for immediate assistance.

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.
4.6

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

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.

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