The top-rated home insurance agent in Perth Amboy, New Jersey is Gilma Escobar - State Farm Insurance Agent, rated 4.9 stars across 235 reviews. Other highly rated options include P&C Insurance Agency, Y & D @ Larimar Enterprise llc, Manzueta Insurance. This directory lists 10 home insurance agents serving Perth Amboy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Gilma Escobar - State Farm Insurance Agent | 796 Amboy Ave | (908) 588-9700 |
| 2 | P&C Insurance Agency | 338 Smith St | (908) 884-7021 |
| 3 | Y & D @ Larimar Enterprise llc | 88 Smith St | (732) 826-0400 |
| 4 | Manzueta Insurance | 289 Watson Ave | (732) 376-9700 |
| 5 | One Stop Insurance Agency | 252 Madison Ave Ste 102 | (732) 520-2206 |
| 6 | Rodriguez Agency | 234 New Brunswick Ave | — |
| 7 | HolaDoctor Insurance Services - Perth Amboy | 199A Smith St | (855) 336-0001 |
| 8 | Medicare Options | 282 Hobart St | (732) 934-9197 |
| 9 | Defend Insurance Co | 43 New Brunswick Ave | (973) 307-0649 |
| 10 | Hugo Fleites inc | 362 State St | (732) 826-1124 |
What Does a a Home Insurance Agent in Perth Amboy Cost?
Home insurance costs in New Jersey average around 1,200 to 1,800 dollars per year for a standard policy but rates vary by property value location and coverage level. Perth Amboy premiums may be higher due to flood risk and older housing stock. Your deductible credit score and claims history also affect the price. This is general information not insurance advice.
About home insurance agents in Perth Amboy
A home insurance agent in Perth Amboy New Jersey can help you find a policy that meets state requirements and protects your property. New Jersey law does not require homeowners insurance but mortgage lenders usually mandate it. Local agents understand flood risks near the Arthur Kill and can guide you on standard HO-3 policies.
Frequently Asked Questions
What does a home insurance agent in Perth Amboy do?
A home insurance agent helps you compare policies from different carriers to find coverage for your house and belongings. They explain deductibles liability limits and optional add-ons like flood insurance. Agents also assist with filing claims and updating your policy as needed.
How do I choose a home insurance agent in New Jersey?
Look for an agent licensed by the New Jersey Department of Banking and Insurance. Check their experience with Perth Amboy properties and ask about their carrier network. Read online reviews and confirm they offer policies that meet your mortgage lenders requirements.
Is flood insurance required for homes in Perth Amboy?
Flood insurance is not required by New Jersey state law but may be mandatory if your home is in a FEMA-designated flood zone. Many Perth Amboy properties near waterways fall into high-risk areas. Your agent can help you purchase a policy through the National Flood Insurance Program.
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