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Best Homeowners Insurance Agencies in Newark

2024

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Providers

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Website
150 Clove Rd, Little Falls, NJ 07424
  • Condos
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Founded in 1933, the family-owned Hahn Insurance Agency is an independent insurance agency located in Little Falls, New Jersey, and serving the Newark, New Jersey, metro area. Hahn Insurance Agency offers homeowners insurance and renters insurance and condo insurance. The president of the agency, Charles Hahn, has 25 years of experience in the industry. The agency has relationships with a diverse range of insurance carriers, including Chubb, the Hartford, Liberty Mutual, Merchants, Progressive, and Travelers. Other types of insurance provided by the agency include auto, health, life, and commercial policies.

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 (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

Website
593 Kearny Avenue, Kearny, NJ 07032
  • Flood
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Borgos Hanlon Henry & Garcia, Inc., is a team of independent agents that offer personal and commercial lines of insurance for Newark individuals and businesses. Included in its product range is homeowners' insurance. The risk management specialists also furnish protection plans for mobile homeowners, condominium dwellers, and renters. They have access to a wide range of coverage options from their partner providers which include Progressive and Travelers. Borgos Hanlon Henry & Garcia has been protecting clients since 1920.

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
4.7 / 5 (7)
Google
5.0 / 5 (3)

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
360 Chestnut Street, Newark, NJ 07105
  • Homeowners

Why choose this provider?

Conrado Arroyo is an insurance agent for State Farm who provides insurance services to clients in Newark and the surrounding areas. For more than 22 years, Arroyo has been offering products such as home insurance which covers the ability to replace or repair a home. It also covers items inside the home such as appliances, clothing, collectives, and damages from theft, fire, and vandalism. In addition, it may include liability in case someone gets hurt in the home or property.

License Verified:

License: 9828164

State of New Jersey Banking and 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.
4.1
Google
4.1 / 5 (40)
Facebook
5.0 / 5 (5)
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
400 River Dr, Garfield, NJ 07026
  • Renter's Insurance
  • Condos
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Insurox Group Inc., located in Garfield, New Jersey, writes home insurance policies for residents of the greater Newark area. It draws on its relationship with more than 50 partner insurance carriers, including Foremost, Applied Underwriters, and The Hearth, to do a real-time online comparison of coverage and rates on needed home insurance for its clients. Most standard policies cover the structure of the home, personal belongings and contents inside the home, and any structures located on the property. Liability coverage is generally included. Insurox Group Inc. also sells condo, flood, and renters 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.
4.4
Google
4.7 / 5 (62)
Facebook
4.0 / 5 (51)

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
1423 McCarter Hwy, Newark, NJ 07104
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

MetroPlus Insurance Agency is a locally owned, independent insurance company located in Newark, New Jersey, with an additional office in Belleville. Home coverage specialists work with dozens of A-rated insurance carriers to find homeowners a policy that covers the replacement value of their home, valuables, and any buildings on their property, such as detached garages and sheds, at a fair rate. The company also offers personal umbrella plans, and property and vehicle policies for businesses and personal auto, motorcycle, and fleet coverage. Further savings are available by bundling home and auto insurance plans.

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
3.5 / 5 (11)
Facebook
5.0 / 5 (9)
Yelp
1.0 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
73 Newark Avenue, Belleville, NJ 07109
  • Homeowners

Why choose this provider?

Michael F. Iacangelo & Co., Inc. is an agency that has been providing homeowners' insurance plans for clients based in Newark for more than 60 years. It comprises independent agents representing several insurance carriers, such as Plymouth Rock, Progressive, Mercury, NJ Skylands, and Teachers. They also offer other insurance products, including family rental properties, automobiles, boats, motorcycles, and personal umbrellas. The insurance agency's owner, Marge Iacangelo, is available 24/7 to deliver emergency support.

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
Google
4.6 / 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

Website
46 Washington St, Morristown, NJ 07960
  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Robert Lloyd Coutts & Sons, which has insured New Jersey homes since 1930, is a family-owned, independent insurance agency located in Morristown. It works with 12 national and regional carriers that include Progressive, Travelers, and Empower (an Allstate company). The company shops each clients' insurance needs to find the best New Jersey homeowners rates. Separate policies are required for flood insurance, and earthquake coverage can be added as an endorsement to a homeowners policy. The company also offers auto, motorcycle, watercraft, and RV insurance. Its business policies range from from internet/cyber liability to complete business umbrella coverage.

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 (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
440 Market St Ste 1B, Elmwood Park, NJ 07407
  • Renter's Insurance
  • Condos
  • Fire
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Preferred Choice Insurance Agency is a home insurance company that has been serving the residents of Newark, New Jersey, for more than a decade. The company works with multiple large insurance carriers, such as Progressive, Mercury, and Encompass, to provide its clients with options regarding their coverage. It sells insurance to the homeowners and landlords of the area, which covers loss of property and belongings due to burglary or a natural disaster, liability, and temporary relocation caused by a covered event. Preferred Choice Insurance Agency also sells auto and business 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.
4.9
Google
4.9 / 5 (31)
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

Website
217 Ferry Street, Newark, NJ 07105
  • Multiple Policy Types

Why choose this provider?

Morais Insurance Agency, Inc., provides services to clients in the Newark metro. It offers a wide range of insurance products, such as homeowners', auto, contractors', general liability, and lunch truck insurance plans. It also carries commercial liability and workers' compensation insurance policies. Morais Insurance Agency brings over 30 years of experience in the industry. Its team includes professionals who speak Spanish and Portuguese, allowing them to cater to a broader range of clients.

License Verified:

License: 8912447

State of New Jersey Banking and 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 (4)

Website
622 Georges Road, North Brunswick, NJ 08902
  • Multiple Policy Types

Why choose this provider?

Midland Insurance Agency is an insurance company that offers comprehensive coverage in Newark and the surrounding areas. It partners with leading insurance companies to provide quality homeowners insurance solutions that cover personal property, family liability, and dwellings. The home insurance plans also offer guest medical protection. Moreover, clients can access flood insurance options as well as basic automobile plans that cover property damage, bodily injuries, and medical payments arising from car crashes.

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1129 Raritan Rd, Clark, NJ 07066
  • Renter's Insurance
  • Condos
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

American Insurance Services Agency is a Clark, New Jersey-based independent insurance agency providing a variety of insurance solutions for homeowners in the area and its surrounding counties. Founded in 1976, the firm offers comprehensive and packaged insurance options to property owners and individuals living in rental units. The agents help clients identify the basic and optional coverage options available for their properties, including apartments, townhouses, condos, and co-ops. In line with its mission, the business assists clients in making informed decisions about their assets' protection. The agency also provides auto, flood, and liability 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
Facebook
4.8 / 5 (81)
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
16-00 State Rt 208 Ste 103, Fair Lawn, NJ 07410
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

ABA Insurance Agency is a local family owned independent insurance agency that has been serving the residents in the area, and surrounding counties since 2009. The company uses its relationships with major insurance carriers to explain, and offer different types of policies and plans to its clients. Their best interest is the client, and not the insurance company, as well as to make sure all clients are well informed and properly protected. ABA Insurance offers Auto/Home/Business/Life products.

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 (146)
Facebook
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
177 Adams Street, Newark, NJ 07105
  • Renter's Insurance
  • Homeowners
  • Landlords

Why choose this provider?

Atlantis Agency is a privately held multi-line insurance company that has been serving clients in and around Newark since 2005. It offers homeowners' insurance policies, which cover the clients' dwellings, other structures, and personal properties. It also provides auto, all-terrain vehicle, boat, classic car, motorcycle, and recreational vehicle insurance options. Atlantis customizes business owners' packages and workers' compensation, life, and umbrella insurance solutions. It has partnered with several insurance carriers, such as AIG, MetLife, American Modern, and National General.

License Verified:

License: 1039545

State of New Jersey Banking and 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.
4.7
Facebook
4.7 / 5 (18)
Google
4.7 / 5 (14)

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
445 Godwin Ave Ste 2, Midland Park, NJ 07432
  • Earthquake
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Eastern Insurors is a Midland Park, New Jersey insurance agent that provides home insurance to residents of the Newark area. Founded in 1947, Eastern Insurors offers home insurance policies that cover structural damage, personal belongings, liability protection, and living expenses due to displacement in a disaster. The company additionally provides products for personal and commercial clients such as auto and renters insurance. Eastern Insurors is an independent brokerage and an Acrisure Agency partner. It sells insurance products from many reputable regional and national insurance carriers, including Chubb, Cumberland Insurance, and Progressive.

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 (22)

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.
  • Can you be denied homeowners’ insurance in Newark?

    Yes, homeowners’ insurance companies can deny coverage in Newark. You might not qualify for homeowners' insurance due to a range of factors related either to you as the policyholder or your property. Reasons like poor insurance scores, criminal records, coverage gaps, past claims, and other aspects could lead to disqualification. If the insurance company sees your property as too much of a risk, they could reject your application or end an ongoing policy.

  • How can you lower your homeowners' insurance premiums in Newark?

    To reduce your homeowners' insurance premiums in Newark, consider raising your deductible, bundling home and auto policies for potential discounts, safeguard your home against damage and disasters, and enhancing security with alarms and locks. You should also accurately insure for replacement costs, explore retiree or group discounts, stick with your current insurer, evaluate government-backed insurance plans for high-risk areas, and review policy limits and coverage needs annually.

  • Are floods covered by standard homeowners' insurance in Newark?

    No. Standard homeowners' insurance policies in Newark typically exclude coverage for water-related damage resulting from flooding. It is highly recommended to consult your insurance agent to secure flood insurance offered by the Federal Emergency Management Agency through the National Flood Insurance Program. While standard homeowners' insurance does not typically cover flood damage, you can access flood coverage through the federal NFIP.

  • Can your homeowners' insurance company in Newark cancel your policy?

    Your homeowners' insurance policy in Newark can be terminated or not renewed for different reasons, such as missed payments, alterations in underwriting standards, or changes in property condition. In certain situations, policyholders have the option to challenge the cancellation or nonrenewal by making adjustments to their home or policy to satisfy the insurer's requirements and maintain their coverage.

  • What happens if your Newark home is underinsured?

    If your home in Newark is underinsured, it means that your home insurance coverage is insufficient to provide adequate protection in the event of damage or destruction due to a fire or another calamity. Insufficient coverage can lead to you being responsible for a significant portion of the repair expenses. It's important to make sure your home is insured accurately and understand the mechanics of replacement costs in relation to settling losses.

  • 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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