Home Insurance for Belmar Homes
Belmar homes are packed close together on a grid from the ocean to Route 35: older shore houses, new rebuilds, and many summer rentals. Rentals, wind and flood are where Belmar policies go wrong.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
To speak with an insurance advisor now, callCall an insurance advisor at (732) 905-4100Monday–Friday, 9 a.m.–5 p.m.
We’re closed right now. Leave your number and an advisor will call you back the next business morning.
Short answers
Is a summer rental covered by my homeowners policy?
Only if the policy allows it. Tell us how you rent.
What’s a hurricane deductible?
A separate deductible for named-storm wind, usually 1% to 5% of the dwelling limit.
Does homeowners cover flood?
No.
Does homeowners cover sewer backup?
Only with an endorsement. Add it.
Belmar homes, and what each needs.
Older Shore Houses
Early-1900s homes on narrow lots. Older wiring and plumbing.
Summer Rentals
Many homes are rented by the season or the week. Landlord coverage.
Lake and River Homes
Near Silver Lake, Lake Como and the Shark River. Flood.
New Rebuilds
Elevated homes since Sandy.
What causes claims in Belmar homes.
Nor’easters and Hurricanes
Wind deductibles apply.
Sewer Backup
Heavy rain backs up drains.
Renters
Guest injuries and wear.
Close-set Houses
Fire spreads between homes on narrow lots.
How we usually set up a Belmar home policy.
| Coverage | Typical policy | What we usually recommend here |
|---|---|---|
| Dwelling | A fixed limit | Replacement cost |
| Rentals | Often excluded | A policy that allows them |
| Sewer backup | Not included | Add it |
| Flood | Separate NFIP policy | NFIP with Belmar’s CRS discount, or private flood |
| Liability | $300,000 | $500,000 plus an umbrella |
Own a home in Belmar?
We’ll compare carriers and quote flood alongside.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“Nate and the whole Stonebrook team were great! From the beginning, down to the last minute. It was a breeze working with them. Had great insurance programs for my home, and kept me informed of all my options. They really came through, even on a last minute closing. 10/10 Highly recommended”
“Super quick and easy to deal with. Saved a few hundred dollars on my homeowner's policy, with almost no effort on my end.”
“Stonebrook is the best insurance broker i have worked with. They researched to find me the best policy for the best price while still providing advice on limits my policy should be at. Excellent service!”
More for Belmar homeowners.
What Belmar homeowners ask us.
Do I need landlord coverage for a seasonal rental?
Usually. Tell us how you rent, and we’ll match the policy.
Is my home eligible for elevation funding?
Belmar’s plan lists about 114 primary residences in flood zones as eligible for elevation projects. Ask the borough.
Neighbors: Avon-by-the-Sea, Wall Township, Neptune, Spring Lake.
Sources for this page
Figures come from the sources listed and are dated where the source gives a date. Coverage descriptions are general; your policy wording controls.
Let’s discuss how we can protect what you’ve built.
Take 30 seconds to take the first step towards better coverage.
Get a quote.
Tell us what you need and we’ll take it from there.