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Find Home Insurance Agents Near You in Ramsey, NJ

Browse home insurance agents serving Ramsey, New Jersey. Updated 2026-07-14.

The top-rated home insurance agent in Ramsey, New Jersey is Randy Loyd - State Farm Insurance Agent, rated 4.9 stars across 171 reviews. Other highly rated options include Andrea DeBenedetto: Allstate Insurance, Foremost Insurance, san jose, American Insurance Agency LLC. This directory lists 10 home insurance agents serving Ramsey.

Showing 10 home insurance agents in Ramsey, NJListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Randy Loyd - State Farm Insurance Agent145 N Franklin Tpke #333(201) 825-2100
2Andrea DeBenedetto: Allstate Insurance55 E Main St(201) 327-5700
3Foremost Insurance, san jose4 Erie Plaza(201) 327-5555
4American Insurance Agency LLC145 N Franklin Tpke(551) 866-1741
5Durkin Agency, Inc.70 Hilltop Rd # 2400(201) 567-3700
6Key Group Benefits70 Hilltop Rd #2450(201) 604-2524
7Andrew Bruno Agency145 N Franklin Tpke #306(201) 818-4800
8McCaughey Chambers Agency150 E Main St Suite C(973) 476-4141
9Allstate Personal Financial Representative: Nadia Khalil55 E Main St(201) 377-5739
10Prudential | Robin Chapman | Life Insurance & Financial Services26 Lake St(201) 825-4887
RL
145 N Franklin Tpke #333
Randy Loyd - State Farm Insurance Agent
Home Insurance Agent · Ramsey, NJ

Randy Loyd - State Farm Insurance Agent serves the Ramsey, New Jersey area as a home insurance provider. The agency helps local homeowners secure coverage to protect their property from common regional risks such as severe storms and winter weather. They assist clients in tailoring policies that include dwelling protection and personal property coverage. Additional services help customers evaluate liability limits and choose appropriate deductibles for their specific needs. The agency also handles personal liability coverage and loss of use protection for area homeowners.

AD
55 E Main St
Andrea DeBenedetto: Allstate Insurance
Home Insurance Agent · Ramsey, NJ

Andrea DeBenedetto: Allstate Insurance provides comprehensive home insurance agent services for property owners in Ramsey, New Jersey. Coverage options typically address dwelling protection, personal liability, and contents coverage for unexpected events. Service plans can include policy reviews to ensure appropriate limits and deductibles align with individual needs. The office serves a variety of residential and commercial properties, including single-family homes, apartments, retail locations, and restaurants.

FI
4 Erie Plaza
Foremost Insurance, san jose
Home Insurance Agent · Ramsey, NJ

Foremost Insurance, located in Ramsey, NJ, serves homeowners, businesses, and property managers seeking tailored coverage for their assets. The agency helps clients protect their homes with standard policies, including options for extended replacement cost and liability protection. It also assists with bundling policies to potentially lower premiums. For those in the greater Bergen County area, the agency additionally covers clients in neighboring communities such as Mahwah and Allendale.

AI
145 N Franklin Tpke
American Insurance Agency LLC
Home Insurance Agent · Ramsey, NJ

American Insurance Agency LLC serves the Ramsey, New Jersey area and surrounding communities in Bergen County with home insurance solutions. The agency handles coverage for single-family homes, condominiums, and rental properties, addressing both structure protection and personal liability needs. Clients receive guidance through the selection of policies suited to their specific property type and location. For a typical job, the agency begins with a consultation to assess the property's unique risks, then compares multiple options from different carriers to recommend appropriate coverage limits.

DA
70 Hilltop Rd # 2400
Durkin Agency, Inc.
Home Insurance Agent · Ramsey, NJ

Durkin Agency, Inc., located in Ramsey, NJ, offers both one-time policy consultations and recurring annual service for home insurance clients. Coverage includes protection for the physical structure and personal belongings, along with liability safeguards for common household risks. Policies are tailored to address local weather concerns such as snow and wind damage typical to the region. Service runs on a scheduled basis, with annual policy reviews to adjust coverage as property values or individual needs change.

KG
70 Hilltop Rd #2450
Key Group Benefits
Home Insurance Agent · Ramsey, NJ

Key Group Benefits offers home insurance policies tailored to protect single-family homes and condominiums in the Ramsey, New Jersey area. The agency works with local homeowners to secure coverage for property damage, liability, and personal possessions. It advises clients on adjusting deductibles and selecting appropriate policy limits for their specific residential needs. During the winter season, the company helps local residents address coverage concerns related to ice dams and frozen pipe damage common in northern New Jersey.

AB
145 N Franklin Tpke #306
Andrew Bruno Agency
Home Insurance Agent · Ramsey, NJ

As the seasons change in Ramsey, homeowners often need to reassess their coverage against local weather risks. The Andrew Bruno Agency provides home insurance policies tailored to protect residences throughout the area, working directly with clients to explain coverage options. This agency focuses on matching policy details to each home's specific structure and location within the community. To begin this process, an agent will typically schedule a walk-through of the property to evaluate its current condition and identify the specific insurance requirements for that home.

MC
150 E Main St Suite C
McCaughey Chambers Agency
Home Insurance Agent · Ramsey, NJ

McCaughey Chambers Agency provides residential insurance coverage for homeowners in Ramsey, New Jersey. The agency also offers specialty add-ons such as personal umbrella liability and flood insurance for clients requiring extra layers of protection. It helps families assess property values and deductibles to align policies with individual needs. The agency can serve commercial sectors including offices, warehouses, and food service establishments in the local area.

AP
55 E Main St
Allstate Personal Financial Representative: Nadia Khalil
Home Insurance Agent · Ramsey, NJ

Allstate Personal Financial Representative Nadia Khalil provides residential home insurance services to the Ramsey area, helping clients protect their homes and personal property. Commercial coverage is also available for local business owners seeking asset protection. The agency serves homeowners throughout the community and surrounding regions. Clients often return for policy reviews or coverage adjustments following major life changes, ensuring their protection stays current between regular scheduled visits and seasonal updates.

PR
26 Lake St
Prudential | Robin Chapman | Life Insurance & Financial Services
Home Insurance Agent · Ramsey, NJ

Prudential | Robin Chapman | Life Insurance & Financial Services in Ramsey, NJ, is recognized for providing home insurance policies that protect residential property and personal belongings. The agency works to secure coverage tailored to individual homeowner needs, including protection against common regional risks like storms and liability concerns. Their service range encompasses policy evaluations and assistance with claim filings to simplify the process for clients. As an added specialty, they offer guidance on integrating home insurance with comprehensive financial planning strategies for long-term asset protection.

What Does a a Home Insurance Agent in Ramsey Cost?

Home insurance costs in Ramsey, New Jersey typically range from 800 to 1,800 dollars per year for a standard policy, though actual premiums depend on your homes value, age, location, and coverage limits. New Jersey law allows insurers to use factors like credit score and claims history to set rates. Costs also vary based on deductible amounts and optional coverages like flood or earthquake. This is general information, not insurance advice.

About home insurance agents in Ramsey

A home insurance agent in Ramsey, New Jersey can help you find coverage that meets state requirements and protects your property. New Jersey law requires insurers to offer a standard fire insurance policy for residential properties. An agent can explain local risks like winter weather and help you compare policies from multiple carriers.

Frequently Asked Questions

What does a home insurance agent in Ramsey do?

A home insurance agent helps you find a policy that covers your house, belongings, and liability. They can explain New Jersey specific coverages like the standard fire policy and flood insurance options. They also assist with claims and policy changes.

Is flood insurance required in Ramsey New Jersey?

Flood insurance is not required by state law, but it may be required by your mortgage lender if your property is in a high risk flood zone. Ramsey is in Bergen County where some areas face flood risk. An agent can check your zone and help you buy a separate flood policy.

How do I choose a home insurance agent in Ramsey?

Look for an agent licensed in New Jersey with experience in Bergen County. Ask about their knowledge of local risks and the insurance companies they represent. You can verify a license through the New Jersey Department of Banking and Insurance.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.