The top-rated landlord insurance agent in Union, New Jersey is David Roy - State Farm Insurance Agent, rated 4.8 stars across 112 reviews. Other highly rated options include State Farm Insurance Agent Max Smirnov, Farmers Insurance - David Robbins, Clear Path Insurance Services. This directory lists 16 landlord insurance agents serving Union.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | David Roy - State Farm Insurance Agent | 530 Chestnut St Suite 102 | (908) 688-2051 |
| 2 | State Farm Insurance Agent Max Smirnov | 1051 Stuyvesant Ave. | (908) 810-0040 |
| 3 | Farmers Insurance - David Robbins | 2717B Morris Ave | (908) 557-5251 |
| 4 | Clear Path Insurance Services | 969 Stuyvesant Ave. #3 | (908) 955-8085 |
| 5 | Tavares Insurance Agency | 2086 Morris Ave | (908) 686-0404 |
| 6 | Allianza Insurance | 1191 Morris Ave | (908) 444-4067 |
| 7 | Insurance Associates Plus | 1523 Morris Ave | (908) 964-9010 |
| 8 | Annagard Insurance Agency | 397 Chestnut St Suite 6 | (908) 888-0120 |
| 9 | Ringler Insurance Agency | 2225 Morris Ave | (908) 688-0011 |
| 10 | Blue Insurance LLC | 2010 Morris Ave | (908) 696-7368 |
David Roy - State Farm Insurance Agent serves the Union County, New Jersey area, focusing primarily on landlord insurance policies for property owners. The agency helps clients protect rental income and property structures from common risks. Policies often cover dwelling damage resulting from fire, weather, or vandalism. Liability protection is also included in typical plans to address tenant injury claims. The agency handles loss of rental income coverage for situations when a property becomes uninhabitable and assists investors in managing liability for owned residential rental units.
As a landlord insurance agent in Union, NJ, State Farm Insurance Agent Max Smirnov provides essential coverage options for property owners, including liability protection and building repair policies. Services can be tailored to include loss of rental income endorsements for steady cash flow assurance. Maintenance plans are not offered directly, but the agent helps clients understand how insurance responds to common property incidents. The agency services single-family homes, small apartment buildings, retail spaces, and restaurants within the local area.
Farmers Insurance - David Robbins in Union, NJ provides coverage for homeowners, property managers, and real estate investors seeking landlord insurance. The agency offers policies tailored to protect rental properties, including dwelling coverage, liability protection, and loss of rental income options. Clients benefit from working with a local agent who understands the specific risks affecting residential and commercial landlords in the region. The office also serves property owners in neighboring areas such as Elizabeth and the greater Newark metropolitan region.
Clear Path Insurance Services serves Union, New Jersey, and the surrounding communities in Union County. As a landlord insurance agent, it handles property coverage for residential and commercial rental properties. The company works with property owners to address risks such as fire damage, liability claims, and loss of rental income. For a typical job, it reviews the owner’s specific property type and tenant profile, then presents coverage options designed to match that exact situation.
For landlord clients in Union, NJ, Tavares Insurance Agency distinguishes between one-time policy placements and recurring account management. Their coverage offerings typically protect rental properties against structural damage, liability claims from tenants or visitors, and potential loss of rental income. A landlord insurance agent can tailor policies to local regulations and property-specific risks, such as older building exposure or multi-unit occupancy. Service from this agency operates strictly on an as-needed basis, arranged when a client requests a quote or a policy adjustment.
As autumn storms roll through Union, NJ, rental property owners often seek protection against sudden roof leaks and wind damage. Allianza Insurance helps local landlords secure coverage tailored to multi-unit dwellings and single-family rentals, addressing risks such as liability claims and lost rental income. Policyholders can expect guidance on selecting appropriate deductibles and understanding exclusions common to older buildings in this area. An initial property walkthrough is scheduled to assess existing structures, identify potential hazards, and document current conditions before binding any new landlord policy.
Insurance Associates Plus in Union, NJ, specializes in helping landlords tailor coverage for rental properties, including multi-unit dwellings and single-family homes. The agency works closely with property owners to assess risks specific to New Jersey, such as liability protection and loss of rental income. Its services also extend to assisting landlords with policy adjustments for vacant units or newly acquired properties. During the colder months, it aids clients in securing coverage that addresses damage from frozen pipes or roof collapses under snow load.
Annagard Insurance Agency in Union, NJ offers comprehensive coverage options designed for property owners who rent residential and commercial spaces. The company specializes in tailored add-ons such as liability protection and dwelling policies that shield against tenant-related damages. Their work helps landlords mitigate risks like lost rental income, property repair costs, and legal disputes. This agency can assist property managers of small-scale rental homes, large apartment complexes, local office buildings, storage warehouses, and food service facilities.
Ringler Insurance Agency provides residential landlord insurance services to property owners in Union, New Jersey. The agency also offers commercial coverage for multi-unit buildings and smaller rental complexes throughout the surrounding area. Policies from this local agent help protect against property damage, liability, and lost rental income. Clients can schedule easy follow-up calls to adjust coverage between regular policy reviews.
Blue Insurance LLC in Union, NJ, is known for helping property owners secure policies tailored to rental dwellings. The agency’s service range includes coverage for single-family rentals, duplexes, and apartment buildings, addressing liability and property damage risks common in the area. Clients benefit from guidance on local zoning issues and tenant-occupied property nuances. This landlord insurance agent can also add on specialized protection for vacant properties between tenants.
What Does a a Landlord Insurance Agent in Union Cost?
Typical landlord insurance costs in Union, New Jersey range from 800 to 1,800 dollars per year for a single-family rental property. Premiums depend on the dwelling coverage amount, liability limits, and deductibles. Properties in flood-prone areas of Union may require separate flood insurance, which adds cost. This is general information and not insurance advice.
About landlord insurance agents in Union
Landlord insurance agents in Union, New Jersey help property owners secure coverage for rental homes, apartments, and multi-unit buildings. New Jersey law does not require landlord insurance, but mortgage lenders often mandate it. Local agents can explain how policies cover property damage, liability, and loss of rental income specific to Union County ordinances.
Frequently Asked Questions
What does landlord insurance cover in Union New Jersey?
Landlord insurance typically covers the building structure, liability for tenant injuries, and loss of rental income if the property becomes uninhabitable. In New Jersey, policies may also include coverage for vandalism or theft, which is common in rental properties.
Is landlord insurance required by law in New Jersey?
New Jersey state law does not require landlord insurance. However, most mortgage lenders in Union require it as a condition of the loan. Additionally, if you have a homeowners association, they may also require proof of coverage.
How much does landlord insurance cost in Union New Jersey?
Costs vary based on property value, location, and coverage limits. In Union, New Jersey, average annual premiums for landlord insurance range from 800 to 1,800 dollars. Factors like property age, number of units, and claims history affect the final price.
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