Insurance for Avalon Homes on Seven Mile Island
Avalon has about 1,240 year-round residents and as many as 45,000 people in summer. Its motto, “Cooler by a Mile,” comes from the way it juts a mile farther into the Atlantic than its neighbors. That same mile is why flood, wind and seasonal occupancy shape almost every Avalon policy.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures second homes in Avalon, NJ?
Stonebrook Insurance is an independent agency that insures Avalon homes, often through high-net-worth carriers in our Private Client group, along with flood, boats and cars.
Do I need flood insurance in Avalon?
Yes. Avalon is a barrier island town at about 10 feet of elevation. In the 1962 Ash Wednesday storm, much of the island was under water for four to five days.
Can you insure my primary home too?
Yes. We place home coverage in all 50 states, so your Philadelphia, New York or North Jersey home can sit with your Avalon house.
Can I rent out my Avalon home?
Yes, but tell us. Rentals change the policy, and some carriers require an endorsement.
From juniper forest to “Cooler by a Mile.”
In December 1722, Aaron Leaming bought Seven Mile Beach, the island Avalon now shares with Stone Harbor, for 79 pounds. It was covered in juniper forest and sand hills. In April 1887 the Seven Mile Beach Company formed to build a resort, the hills were leveled, and on April 18, 1892, Avalon was incorporated, named for the island of Arthurian legend.
The Ash Wednesday Storm of March 1962 put much of the island under water for four to five days and took away much of the coastline. Avalon rebuilt and protected itself: a jetty extension at 8th Street, an artificial reef, beach replenishment and new jetties at Townsends Inlet as recently as 2006.
Today Avalon is one of the most affluent towns on the Jersey Shore, with about 5,400 homes and fewer than 700 year-round households. Most homes are second homes, and many have been rebuilt as large elevated houses.
Everything you insure in Avalon, in one place.
Each guide is written for Avalon.
Home Insurance
High-value second homes, elevated rebuilds, wind deductibles and freeze protection.
The local facts that shape your coverage.
From Census data and borough history.
| Fact | Avalon | Why it matters |
|---|---|---|
| Year-round population | 1,243 (2020 census) | Most homes sit empty for much of the year. |
| Summer population | Up to about 45,000 | Rentals, guests and drivers multiply. |
| Homes vs. households | About 5,434 housing units; 692 year-round households (2010) | Nearly nine in ten homes aren’t lived in year-round. |
| Median age | 61.8 (2010) | Many retirees and long-time owners. |
| Elevation | About 10 feet | Flood and surge drive cost. |
| Forbes ranking | 65th most expensive U.S. ZIP code (2007) | Rebuild values call for high-net-worth carriers. |
The Avalon our clients know.
Avalon Boulevard
County Route 601, the causeway from the Garden State Parkway and Route 9 onto the island.
Ocean Drive
The island road north to Townsends Inlet and Sea Isle City, closed by flooding several times in 2015.
8Th to 12Th Streets
The beaches protected by the 8th Street jetty extension and an artificial reef.
Townsends Inlet
The island’s north end, with jetties built as recently as 2006.
The Summer Trolley
A seasonal trolley runs the length of the island.
Stone Harbor
Avalon’s neighbor on Seven Mile Island.
An independent agency for shore homes.
Avalon homes belong with carriers that know barrier islands and high-value construction. Because we’re independent, we compare more than 25, including high-net-worth carriers, and put your shore home, primary home, boat and umbrella together.
After a nor’easter, 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.
“Really happy with Stonebrook Insurance. The team was super easy to work with and always got back to me quickly. They made the whole process simple and stress-free. Would definitely recommend them to anyone looking for good coverage and great service.”
“I had a great experience with Stonebrook. Nate was incredibly knowledgeable, super informative, and just a pleasure to work with. He made everything feel easy and really went above and beyond to help me. Highly recommend.”
“I cannot recommend Nate & the whole Stonebrook Group enough. Their communication is top-notch—always quick to reply and proactive about finding better rates. It's rare to find this level of professionalism and personal attention these days. They handled everything from start to finish, saving me both time and money.”
More for Avalon homeowners.
What Avalon homeowners ask us.
What insurance agency serves Avalon, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Avalon homes, often through Stonebrook Private Client, along with flood, boats and cars.
Why is Avalon called “Cooler by a Mile”?
Because it juts about a mile farther into the Atlantic than other barrier islands.
When was Avalon founded?
The Seven Mile Beach Company formed in 1887, and Avalon was incorporated on April 18, 1892.
How did the 1962 storm affect Avalon?
Much of the island was under water for four to five days, with serious flooding and major coastline loss.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Stone Harbor, Ocean City.
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.
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