Insurance for Allenhurst, from the Beach Club to Deal Lake
Allenhurst is three-tenths of a square mile between Deal and Deal Lake: a National Register historic district of Queen Anne and Colonial Revival homes, a beach club with a 525,000-gallon saltwater pool, and a 20-foot sea wall. Homes like these, on a coast like this, need coverage written for them.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Allenhurst, NJ?
Stonebrook Insurance is an independent agency that insures Allenhurst homes, cars and businesses, including high-value homes through Stonebrook Private Client.
Is Allenhurst in a flood zone?
Parts of it. About 10.2% of the borough is in FEMA’s 1% floodplain, along the ocean and Deal Lake.
How many historic homes are in Allenhurst?
The Allenhurst Residential Historic District has 412 contributing buildings, bounded by the ocean, Main Street, Cedar Avenue, Hume Street and Elberon Avenue.
Do Allenhurst homes have generators?
Most do. The county plan says at least 60% of Allenhurst homes have emergency generators.
A planned resort that stayed a resort.
In 1895, the Coast Land Improvement Company bought the 120-acre Allen farm on the ocean between Deal and Deal Lake and laid out an exclusive summer resort. The borough was incorporated two years later, on April 26, 1897, and took its name from resident Abner Allen.
What the developers built is still here. Almost the entire borough is the Allenhurst Residential Historic District: 412 contributing buildings in Queen Anne, Colonial Revival, Shingle, Tudor Revival, Italian Renaissance, Prairie, Mission and Craftsman styles. Since 1999 a historic commission has advised the Planning Board on demolitions and renovations.
That makes insurance here different from almost anywhere else on the shore. These are large, old, irreplaceable houses a few blocks from the ocean, and the borough’s rules shape how they can be rebuilt. We write policies that account for all of it.
Everything you insure in Allenhurst, in one place.
Each guide is written for Allenhurst.
Home Insurance
Historic replacement cost, ordinance or law, wind deductibles, generators and water backup.
Flood Insurance
Elberon Avenue, Lake Drive, Hume Street, the ocean bulkhead and the 20-foot sea wall.
The local facts that shape your coverage.
From the 2026 Monmouth County Hazard Mitigation Plan, Census data and the National Register.
| Fact | Allenhurst | Why it matters |
|---|---|---|
| Land area | About 0.3 square miles | One of the smallest municipalities in Monmouth County. |
| Population | 472 (2020 census); 412 (2018–22 ACS) | Far more people in summer than in winter. |
| Residents over 65 | 23.1% | Many long-time owners, and homes held in families for generations. |
| Historic district | 412 contributing buildings | Period construction needs specialty replacement cost. See home insurance. |
| Area in the 1% floodplain | 10.2% | The ocean and Deal Lake. See flood insurance. |
| NFIP claims paid | 22 losses, about $711,000 | From 44 policies in force (FEMA, Aug. 2024). |
| Generators | At least 60% of homes | Long outages after Irene and Sandy taught the lesson. |
| Incorporated | April 26, 1897 | Most homes date from the borough’s first decades. |
The Allenhurst our clients know.
The Allenhurst Beach Club
The borough’s summer center, with about 2,450 members and a 525,000-gallon saltwater pool. It was damaged in Irene and Sandy and reopened in June 2015.
&Ldquo;Dye the Ocean Green”
The club’s Labor Day tradition, on a beach whose two groins locals call “Crackup” and “The L.”
Deal Lake
The 158-acre lake on the borough’s southern edge, managed with its neighbors through the Deal Lake Commission since 1974.
Allenhurst Station
The North Jersey Coast Line station, itself on the National Register since 1980.
Norwood Avenue
Route 71 through the borough, between Deal and Asbury Park, near the station.
Ocean Avenue
The oceanfront road and the borough’s grandest houses, behind the sea wall.
An independent agency for historic shore homes.
A 120-year-old Queen Anne house a block from the ocean is exactly the kind of home many standard carriers avoid. Others, especially high-net-worth carriers, specialize in it. Because we’re independent, we compare more than 25 carriers and place each Allenhurst home where it’s properly covered.
When a nor’easter tears off shingles or Elberon Avenue floods again, you call people who already know your house.
Send us your declarations pages and we’ll show you what we’d change.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“I had a great experience with Stonebrook. Rebecca was incredibly knowledgeable, super informative, and a pleasure to deal with. She made everything feel easy and really went above and beyond to help me. I highly recommend them.”
“Fantastic service. Our bank had us behind the eight ball with a last minute demand for insurance on a construction project. Stonebrook came to the rescue. The offered just what was needed and at a great price. They were friendly and caring. Something you don't often hear when speaking about an insurance company.”
“Great experience working with Stonebrook insurance company for our household insurance. They were responsive, professional, friendly, and never pushy. They took the time to find us the best rates and made the entire process smooth and stress-free. Highly recommended!”
More for Allenhurst families.
What Allenhurst families ask us.
What insurance agency serves Allenhurst, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Allenhurst homes, cars and businesses, with high-value homes placed through Stonebrook Private Client.
How old is Allenhurst?
The resort was laid out after 1895, when the Coast Land Improvement Company bought the Allen farm. The borough was incorporated on April 26, 1897.
Is all of Allenhurst a historic district?
Most of it. The Allenhurst Residential Historic District is bounded by the ocean, Main Street, Cedar Avenue, Hume Street and Elberon Avenue, with 412 contributing buildings.
Does Allenhurst flood?
Parts of it. In September 2023, knee-deep water reached Elberon Avenue and closed roads. About 10.2% of the borough is in the 1% floodplain.
Can you insure a summer home in Allenhurst?
Yes. Seasonal homes need policies written for how they’re used, with freeze protection and a plan for who checks the house.
How do I get a quote for an Allenhurst home?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Deal, Loch Arbour, Interlaken, Asbury Park, Ocean Township.
Sources for this page
- Wikipedia: Allenhurst, New Jersey
- Monmouth County Hazard Mitigation Plan 2026, Appendix 2: Allenhurst Borough
Figures come from the sources listed and are dated where the source gives a date. Coverage descriptions are general; your policy wording controls.
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