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Looking for a home insurance agent in Rutherford? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Rutherford, 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 9 home insurance agents in Rutherford, 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.
Progressive Insurance - Claims Office
201 NJ-17 Suite 802, Rutherford, NJ 07070
(800) 274-4499
progressive.com
Dan Meredith Agency, LLC: Allstate Insurance
50 Union Ave, Rutherford, NJ 07070
(201) 355-8090
agents.allstate.com
Susanne Godau - State Farm Insurance Agent
16 Park Ave, Rutherford, NJ 07070
(201) 635-1100
susannegodau.com
Raphael & Associates
301 NJ-17, Rutherford, NJ 07070
(800) 466-9165
raphaelandassociates.com
Maiello & Manzi Insurance Agency
28 Elizabeth St, Rutherford, NJ 07070
(201) 991-0028
mm-insure.com
North East Insurance Agency
301 NJ-17 #800, Rutherford, NJ 07070
(973) 866-5821
northeastagencyllc.com
Rutherford Insurance Agency
83 Meadow Rd, Rutherford, NJ 07070
(551) 365-1843
All Star Insurance LLC
301 NJ-17, Rutherford, NJ 07070
(201) 438-3570
Generation Insurance Services
1 Orient Wy Suite F242, Rutherford, NJ 07070
(973) 348-5886
geninsurance.net
Home insurance agents in Rutherford, New Jersey help residents protect their homes against common risks like fire, theft, and weather damage. New Jersey law requires insurers to offer certain coverages, such as personal liability protection, and agents can explain how state-specific regulations affect your policy. Working with a local agent ensures you understand the unique needs of homes in Bergen County, including flood risks and older home structures.
What Does a Home Insurance Agent in Rutherford Cost?
Home insurance costs in Rutherford, New Jersey typically range from 800 to 1,500 dollars per year for a standard policy, depending on the home value, age, and coverage limits. Factors like proximity to fire stations, claims history, and credit score also affect rates. New Jersey law allows insurers to use credit-based insurance scores, so maintaining good credit can lower your premium. This is general information, not insurance advice. Consult a licensed agent for a personalized quote.
* 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 home insurance agent in Rutherford do?
A home insurance agent helps you compare policies from different carriers, explains coverage options, and assists with claims. They can advise on New Jersey-specific requirements, such as mandatory liability coverage for dog bites or swimming pools. Agents also help you adjust deductibles and limits to fit your budget.
Do I need flood insurance for my Rutherford home?
Standard home insurance policies in New Jersey do not cover flood damage. Rutherford is in a moderate flood risk zone, so agents often recommend separate flood insurance through the National Flood Insurance Program or private carriers. Your agent can assess your property risk and help you purchase a policy.
How do New Jersey laws affect home insurance costs?
New Jersey law requires insurers to offer a minimum of $100,000 in personal liability coverage. The state also regulates rate increases and requires insurers to provide a detailed explanation for nonrenewal. These rules can influence premiums, and an agent can explain how they apply to your policy.
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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.