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Compare home insurance agents in Ship Bottom. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Ship Bottom, 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 4 home insurance agents in Ship Bottom, 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.
Stewart Title of New Jersey - Ship Bottom
330 W 8th St, Ship Bottom, NJ 08008
(609) 850-6024
stewart.com
Venture Insurance Service NJ
1304 Bond Ave, Ship Bottom, NJ 08008
(609) 604-8341
sites.google.com
American Abstract Agency LLC
513 Central Ave, Ship Bottom, NJ 08008
(609) 361-1044
americanabstractagency.com
Surety Title Agency Coastal Region
256 W 9th St Suite C, Ship Bottom, NJ 08008
(609) 416-6512
mysurety.com
A home insurance agent in Ship Bottom, New Jersey can help you find coverage for your shore home or year-round residence. New Jersey law requires insurers to offer flood coverage in coastal areas, and agents can explain how windstorm deductibles apply. Local agents understand the unique risks of living on Long Beach Island and can guide you through policy options.
What Does a Home Insurance Agent in Ship Bottom Cost?
Home insurance costs in Ship Bottom, New Jersey typically range from 1,200 to 3,500 dollars per year for a standard policy, depending on the home value, age, and proximity to the ocean. Flood insurance adds 700 to 2,000 dollars annually through the NFIP. Windstorm deductibles often range from 1 to 5 percent of the dwelling coverage. These are general estimates; your actual cost will vary based on your specific home and coverage choices. This information is for general educational purposes and does not constitute 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 home insurance agent in Ship Bottom do?
A home insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain New Jersey-specific rules, such as the requirement for insurers to offer replacement cost coverage on dwelling policies. Agents also assist with claims and policy changes.
Do I need flood insurance for my home in Ship Bottom?
Yes, if your home is in a high-risk flood zone, your mortgage lender will require flood insurance. Even in moderate-risk areas, flood insurance is recommended because standard home policies do not cover flood damage. New Jersey participates in the National Flood Insurance Program, and your agent can help you obtain a policy.
How does New Jersey law affect home insurance rates in Ship Bottom?
New Jersey allows insurers to use coastal location and windstorm history when setting rates. The state also requires that policies include a standard fire insurance coverage minimum. Your agent can explain how these factors apply to your specific property.
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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.