Dickstein Associates Agency
4001 Asbury Avenue, 2nd, Floor, Tinton Falls, NJ 07753
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Tinton Falls households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4001 Asbury Avenue, 2nd, Floor, Tinton Falls, NJ 07753
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4001 Asbury Ave 2nd Fl, Tinton Falls, NJ 07753
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656 Shrewsbury Ave, Suite 200, Tinton Falls, NJ 07701
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788 Shrewsbury Avenue, Suite 2255, Tinton Falls, NJ 07724
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615 Hope Rd, Ste 2B, Tinton Falls, NJ 07724
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Learn about insurance coverage options specific to Tinton Falls residents.
Tinton Falls home insurance averages $1,500-$1,800/year. Learn about coastal storm risks, flood coverage needs, and how to save on premiums in this guide.
Car InsuranceTinton Falls auto insurance guide: 2026 minimum requirements (35/70/25), no-fault PIP coverage, Garden State Parkway risks, and how to save on premiums.
If you're in a high-risk flood zone and have a mortgage, your lender will require it. But even if it's optional, flood insurance is highly recommended in Monmouth County due to coastal storm risks, heavy rainfall, and rising sea levels. Standard home insurance doesn't cover flood damage, and FEMA estimates just one inch of water can cause $25,000 in damage. With flood insurance averaging $80 per month in New Jersey, it's worth the protection.
Most Tinton Falls homeowners pay between $1,500 and $1,800 annually for home insurance, though rates vary based on your home's age, value, and proximity to coastal areas. Newer homes average around $1,343 per year, while older homes can cost $1,845 or more. Shopping around is essential—some insurers like Selective offer rates as low as $531 annually, while others charge significantly more for similar coverage.
Nearly half of New Jersey's insurance companies filed for rate increases in 2025, with some approved hikes reaching over 20%. Insurers cite rising costs for materials and labor, increased frequency of severe weather events, and higher claim payouts. New Jersey rates have risen 15% since 2018, and with property values climbing rapidly in towns like Tinton Falls, insurers are adjusting premiums to reflect replacement costs and risk exposure.
Bundling your home and auto insurance typically saves 5% to 25%. Installing security systems, smoke detectors, storm shutters, or updating your roof and electrical systems can qualify you for additional discounts. Increasing your deductible from $500 to $1,000 or higher also reduces your premium. Some insurers offer claims-free discounts if you haven't filed a claim in several years, and maintaining good credit can help too.
It depends on the source. Standard policies cover sudden and accidental water damage like burst pipes, but not flooding from external sources like heavy rain overwhelming drainage systems. You need separate flood insurance for that. Water backup coverage—which protects against sewer or drain backups—often requires an additional endorsement but is worth considering given Monmouth County's vulnerability to intense rainfall and urban flooding.
Review your coverage annually, especially given that Tinton Falls home values jumped 15.2% in the past year and the borough's 2026 reassessment shows property values increasing 7.59% overall. Rising replacement costs mean your coverage limits from even two years ago might leave you underinsured today. Also review your policy when you complete major renovations, purchase expensive items, or when your insurer notifies you of rate changes.
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