The top-rated condo insurance agent in Lakewood, New Jersey is PRIME Insurance Agency, rated 4.9 stars across 357 reviews. Other highly rated options include Cosmo Insurance Agency, Sterling Property and Casualty, Stonebrook Insurance Group. This directory lists 20 condo insurance agents serving Lakewood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | PRIME Insurance Agency | 960 E County Line Rd | (732) 886-5751 |
| 2 | Cosmo Insurance Agency | 1600 Ave of the States #408 | (732) 363-3888 |
| 3 | Sterling Property and Casualty | 20 4th St Suite 211 | (732) 730-7130 |
| 4 | Stonebrook Insurance Group | 500 River Ave Suite 230 | (732) 905-4100 |
| 5 | Mitchell Hnatt: Allstate Insurance | 1900 NJ-70 | (732) 477-6900 |
| 6 | Ben Goldfischer: Allstate Insurance | 300 Main St | (732) 719-4050 |
| 7 | Diamant & Associates | 1700 Ave of the States Suite 401 | (732) 276-5089 |
| 8 | Wilhelm | 699 Cross St #1 | (732) 961-1551 |
| 9 | Insurance Agency New Jersey | 1166 River Ave | (551) 273-4713 |
| 10 | J&R Insurance Agency & Financial Services LLC | 1400 Ocean Ave | (732) 363-1625 |
PRIME Insurance Agency serves Lakewood, New Jersey, and the surrounding Ocean County area, specializing in condo insurance for local residents. The agency helps unit owners secure essential coverage for their individual spaces, including protection against interior damage and liability for accidents within the home. They also address common needs for community policy gaps, such as upgrades or assessments. PRIME Insurance Agency manages personal property coverage and loss-of-use protection for displaced condo owners.
Cosmo Insurance Agency in Lakewood, NJ provides a full range of condo insurance services, including policy selection assistance and risk assessment for individual unit owners. It offers maintenance plan reviews to help clients ensure their coverage meets evolving needs. The agency diligently handles policy updates and claims support throughout the year. It serves single-family homes and residential apartments, as well as retail and restaurant properties along the Jersey Shore.
Sterling Property and Casualty serves homeowners, property managers, and condominium associations in Lakewood, New Jersey, by offering tailored condo insurance policies. The agency assists clients with coverage for common areas, individual units, and liability protection, ensuring compliance with local HOA requirements. It also provides guidance on flood and windstorm endorsements, addressing risks specific to the Jersey Shore region. Beyond Lakewood, the company extends its services to neighboring communities, including Toms River and the surrounding Ocean County metro area.
Stonebrook Insurance Group serves Lakewood, New Jersey, and the surrounding Ocean County communities with dedicated condo insurance solutions. It handles policies tailored for individual unit owners, covering interior structures, personal property, and liability protection against common claims in the area. It also assists with loss assessment coverage for shared building elements. To handle a typical job, Stonebrook begins by reviewing the condo association’s master policy to identify gaps, then customizes a plan that aligns the owner’s personal assets with the specific risks present in the local housing market.
Mitchell Hnatt: Allstate Insurance in Lakewood, NJ provides condo insurance agent services that differentiate between one-time policy purchases and ongoing coverage management. Condo insurance typically covers interior structures, personal property, and liability protection not included in a master policy. This agency assists clients in evaluating specific unit risks and building association requirements. Service arrangements run on a one-time, scheduled, or as-needed basis depending on whether a client needs an initial quote, periodic policy reviews, or claims support after an incident.
As a condo insurance agent in Lakewood, NJ, Ben Goldfischer: Allstate Insurance specializes in tailored coverage options for condominium owners, including protection for interior fixtures, personal liability, and loss assessment. The agency generally works with clients to assess policy gaps and align coverage with homeowners association requirements or individual needs. Situational help is often provided during the transition from a rental to a purchased unit, where new insurance requirements must be addressed quickly.
As the autumn winds sweep through Lakewood, condominium owners often review their coverage against potential storm damage. Diamant & Associates specializes in aligning individual condo policies with local association master plans to avoid coverage gaps for shared structures and personal liability. They evaluate how community bylaws affect personal property limits and water damage exclusions frequently overlooked by owners. An initial in-person inspection of your unit and a review of your association’s master policy form the first step toward securing tailored protection.
Wilhelm provides core condo insurance services for Lakewood residents, securing individual units against common perils like fire and theft. The agency specializes in adding supplemental protections, including loss assessment coverage and water backup endorsements tailored for multi-unit buildings. It regularly assists with policies for occupied units and rental properties within complex associations. Wilhelm can serve commercial sectors such as offices, warehouses, and food service operations seeking liability and property protection.
What Does a a Condo Insurance Agent in Lakewood Cost?
Typical condo insurance costs in New Jersey range from 200 to 600 dollars per year for a standard HO-6 policy. Factors include the unit location, coverage limits, deductible, and claims history. Premiums in Lakewood may be higher due to local property values and risk factors. This is general information, not insurance advice.
About condo insurance agents in Lakewood
Condo insurance agents in Lakewood, New Jersey help unit owners understand the difference between the master policy and personal coverage. New Jersey law requires condo associations to carry a master policy, but this does not cover your personal belongings or interior improvements. A local agent can explain how to fill gaps in coverage and meet your lender requirements.
Frequently Asked Questions
What does a condo insurance agent in Lakewood do?
A condo insurance agent helps you find a policy that covers your personal property, interior walls, and liability. They also explain how the association master policy interacts with your individual coverage.
Do I need condo insurance if the association has a master policy?
Yes. The master policy typically covers the building structure and common areas. You still need coverage for your personal belongings, upgrades, and liability if someone is injured in your unit.
What is the difference between an HO-6 policy and a master policy?
An HO-6 policy is your individual condo insurance. It covers your personal property, interior walls, and liability. The master policy covers the building shell and common areas. New Jersey law does not require you to buy HO-6 insurance, but your lender likely will.
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