Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Toms River

Our Recommended Top 6

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 Toms River 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.

56

Reviewed

36

Curated

6

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1410 Hooper Avenue, Toms River, NJ 08753
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Kevin Carroll is a State Farm insurance agent who serves Toms River and its neighboring communities in New Jersey. Its standard homeowners' insurance policy covers the physical dwelling, other structures, personal property, loss of use, personal liability, and medical payments. Separate policies for earthquake, flood, and water damage coverage can be availed. In addition, the firm offers renters' and condo insurance, as well as auto, life, pet, 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.
4.0
Google
4.0 / 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
1386 U.S. 9, Toms River, NJ 08755
  • Condos
  • Multiple Policy Types

Why choose this provider?

Capstone Insurance assists Toms River residents with a wide range of personal insurance plans. Included in its line of services is home insurance. More than personal property protection, home insurance policies compensate for medical expenses associated with guest injuries in or near a homeowners' property. The company's agents can assist homeowners in reviewing their insurance policies annually. Additionally, Capstone Insurance provides transportation insurance and FedEx and Amazon parcel delivery 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.
4.9
Google
4.9 / 5 (34)

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
240 Main Street, Toms River, NJ 08753
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Fire

Why choose this provider?

Serving Tom River, BHI Insurance Associates provides homeowners' insurance policies. The agency has been in the business for over 50 years. Homeowners can expect the agents of this company to create insurance solutions tailored to fit their needs, whether it is coverage for a home's structure, its contents, or its surrounding structures. The company's agents also help clients receive compensation for losses due to fires, vandalism, storms, or theft. Other insurance solutions include motor home insurance 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.
5.0
Facebook
5.0 / 5 (13)
Google
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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
984 New Jersey 166, Toms River, NJ 08753
  • Fire
  • Multiple Policy Types
  • Flood

Why choose this provider?

Headquartered in Toms River, Colonial Insurance Associates offers assistance to homeowners seeking to financially secure their properties from unforeseen situations. The agency provides support in securing coverage for repairs driven by fire-related incidents and flood damages. Colonial Insurance Associates also handles insurance issues involving liabilities and the potential theft of valuable possessions. The agency has over a decade of experience providing insurance services and also covers insurance issues related to vehicle ownership and Medicare benefits.

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
1520 New Jersey 37, Toms River, NJ 08753
  • Renter's Insurance
  • Personal Property Insurance
  • Fire

Why choose this provider?

Hatami Agency is a locally managed homeowners' insurance agency serving residents in Toms River and the surrounding areas. Since 1973, Vic Hatami, together with his family, has been helping homeowners get insurance coverage for their homes. For almost half a century, the agency has been providing quotes from different insurance companies for owners of family homes and condominiums. In addition, the Hatami family also assists renters in purchasing renters insurance and merchants in finding commercial insurance for their businesses.

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
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
285 Atlantic City Boulevard, Bayville, NJ 08721
  • Condos
  • Multiple Policy Types
  • Flood

Why choose this provider?

All Atlantic Insurance Agency has a team of dedicated insurance agents who serve clients in and around Toms River. The agency helps property owners find the right homeowners' insurance policy that can protect them financially in case of accidents or natural disasters. Coverage may vary depending on what the homeowner needs. Policies generally cover the home and any detached structures like sheds and garages, and personal belongings. All Atlantic Insurance Agency also provides auto insurance and commercial 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 (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

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.
  • Does homeowners' insurance cover damage from hurricanes in Toms River?

    Generally, homeowners' insurance policies in Toms River provide coverage for damage resulting from hurricane winds and rain. However, note that damage caused by flooding is not covered under standard home insurance. To ensure that your home is protected against potential flood hazards, which can arise from events like hurricanes, it is essential to obtain flood insurance.

  • Is there a minimum coverage requirement for homeowners' insurance in Toms River?

    Typically, most insurance providers in Toms River mandate that homeowners insure their properties for at least 80 percent of the replacement cost. Failing to meet this threshold can result in a penalty known as co-insurance, particularly for partial losses. Whether your policy covers replacement value or actual cash value, it is essential to regularly assess your property's value. It is also highly recommended to contact your insurance agent or company at least annually to ensure your policy maintains adequate coverage.

  • Can you get homeowners’ insurance discounts for installing home security systems in Toms River?

    Installing a home security system in Toms River can make you eligible for discounts on your homeowners' insurance. Many insurance companies offer these discounts to policyholders who have such security systems in place. However, the discount rate may vary between insurers. It's recommended to check with your insurance provider to understand the exact discount they offer for home security systems.

  • What happens if you don't pay your homeowners' insurance premium in Toms River?

    Failure to make payments for your homeowners’ insurance in Toms River can lead to the cancellation of your policy, leaving your home vulnerable to possible harm from incidents like fires, storms, or burglaries. Allowing your policy to lapse can also negatively impact your insurance record, potentially resulting in increased future premiums or even the risk of complete coverage denial.

  • Do you need to take inventory of your possessions for homeowners' insurance in Toms River?

    Maintaining a comprehensive inventory of your belongings in Toms River streamlines the homeowners’ insurance claims process, minimizing the likelihood of overlooking items when filing a claim. It also guarantees that your insurance coverage adequately protects the value of your possessions. Additionally, it can identify areas where you might need a rider policy to cover specific high-value items or to prevent exceeding policy limits. It can also serve as documentation for verifying your losses for tax purposes.

  • 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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