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Directory of condo 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 condo 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
Durkin Agency, Inc.
70 Hilltop Rd # 2400, Ramsey, NJ 07446
(201) 567-3700
durkinagency.com
A condo insurance agent in Ramsey New Jersey helps you understand the specific coverage needed for your unit. New Jersey law requires condo associations to carry a master policy, but individual unit owners still need their own HO6 policy to cover interior fixtures and personal belongings. Local agents in Ramsey can explain how these policies work together to protect your investment.
What Does a Condo Insurance Agent in Ramsey Cost?
Typical condo insurance costs in New Jersey range from 300 to 600 dollars per year for a standard HO6 policy. Factors like unit location, coverage limits, and deductible amounts affect the premium. High-value personal property or additional endorsements for water backup can increase costs. 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 a condo insurance agent in Ramsey do?
A condo insurance agent helps you find a policy that covers your personal property, interior walls, and liability. They also review your association master policy to identify gaps in coverage so you are not underinsured.
Do I need condo insurance if the association has a master policy?
Yes. The master policy typically covers the building structure and common areas, but not your personal belongings or upgrades inside your unit. An HO6 policy from a Ramsey agent fills those gaps and provides liability protection.
What is the difference between bare walls and all-in coverage in New Jersey?
Bare walls coverage means the master policy only covers the unit as originally built, leaving you responsible for all interior improvements. All-in coverage extends to fixtures and finishes. Your Ramsey agent can help you choose the right HO6 policy based on your master policy type.
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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.