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Compare landlord insurance agents in Ramsey. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Ramsey, NJ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New Jersey before hiring.
Showing 2 landlord insurance agents in Ramsey, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Randy Loyd - State Farm Insurance Agent
145 N Franklin Tpke #333, Ramsey, NJ 07446
(201) 825-2100
randyloyd.com
American Insurance Agency LLC
145 N Franklin Tpke, Ramsey, NJ 07446
(551) 866-1741
Landlord insurance agents in Ramsey, New Jersey help property owners secure coverage that meets state requirements and protects against common risks like fire, liability, and loss of rental income. New Jersey landlords are not legally required to carry landlord insurance, but most mortgage lenders and many tenants associations mandate it. Agents familiar with Bergen County can advise on local flood zones and the state's strict liability laws for lead paint and other hazards.
What Does a Landlord Insurance Agent in Ramsey Cost?
Landlord insurance in Ramsey, New Jersey typically costs between 15 and 30 percent more than standard homeowners insurance. For a single-family rental, annual premiums often range from 800 to 1,500 dollars, while multi-unit properties can cost 2,000 to 4,000 dollars or more. Factors include property age, location, coverage limits, and the landlord's claims history. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does landlord insurance in Ramsey typically cover?
Standard policies cover the dwelling structure, liability for injuries on the property, and loss of rental income if the unit becomes uninhabitable. In New Jersey, policies may also include coverage for water damage from burst pipes, which is common in older Ramsey homes.
Is landlord insurance required by law in New Jersey?
New Jersey state law does not require landlords to carry insurance. However, most mortgage lenders and many property management companies in Ramsey require it. Additionally, the New Jersey Truth-in-Renting Act may require disclosure of certain insurance details to tenants.
How do New Jersey laws affect landlord insurance costs?
New Jersey has strict liability for lead-based paint hazards in rental units built before 1978, which can increase liability premiums. The state also has a high number of personal injury lawsuits, so agents often recommend higher liability limits. Flood insurance is separate and may be needed for properties near the Ramapo River.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New Jersey.