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Best Homeowners Insurance Agencies in Toms River

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All Atlantic Insurance Agency logo
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All Atlantic Insurance Agency

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

Business Description

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
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BHI Insurance Associates logo
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BHI Insurance Associates

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

Business Description

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)

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
––
Capstone Insurance logo
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Capstone Insurance

1386 U.S. 9, Toms River, NJ 08755
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  • Condos
  • Multiple Policy Types

Business Description

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
Colonial Insurance Associates logo
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Colonial Insurance Associates

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

Business Description

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
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Detail
Hatami Agency logo
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Hatami Agency

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

Business Description

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)

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
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Detail
Kevin Carroll - State Farm Insurance Agent logo
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Kevin Carroll - State Farm Insurance Agent

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

Business Description

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.
4.2
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
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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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