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Find Renters Insurance Agents Near You in Ramsey, NJ
Directory of renters insurance agents in Ramsey, New Jersey. Verify credentials with the state department of insurance before hiring.
3 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 3 renters 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
Andrea DeBenedetto: Allstate Insurance
55 E Main St, Ramsey, NJ 07446
(201) 327-5700
agents.allstate.com
Durkin Agency, Inc.
70 Hilltop Rd # 2400, Ramsey, NJ 07446
(201) 567-3700
durkinagency.com
A renters insurance agent in Ramsey New Jersey can help you protect your personal property and provide liability coverage. New Jersey law does not require renters insurance, but many landlords in Bergen County ask for proof of coverage. An agent can explain how policies cover theft, fire, and water damage in your apartment or rental home.
What Does a Renters Insurance Agent in Ramsey Cost?
In New Jersey, renters insurance typically costs between 15 and 30 dollars per month for standard coverage. A policy with 30,000 dollars in personal property coverage and 100,000 dollars in liability coverage may cost around 200 to 300 dollars per year. Costs vary based on your location in Ramsey, the value of your belongings, and your deductible. This is general information, 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 renters insurance cover in Ramsey New Jersey?
Renters insurance typically covers your personal belongings like furniture and electronics. It also provides liability protection if someone is injured in your rental unit. In New Jersey, policies often include loss of use coverage if your home becomes uninhabitable.
Do I need renters insurance if my landlord has insurance?
Yes, your landlord insurance only covers the building structure, not your personal items. New Jersey law does not require renters insurance, but many landlords in Ramsey include it in the lease. An agent can help you find a policy that meets your lease requirements.
How do I choose a renters insurance agent in Ramsey?
Look for an agent licensed in New Jersey who has experience with renters policies. Ask about coverage limits for high-value items like jewelry or electronics. An agent can compare quotes from different companies to find a policy that fits your budget.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.