Insurance for Harvey Cedars, on Long Beach Island
Harvey Cedars is about 390 year-round residents and as many as 12,000 in summer, on one of the narrowest stretches of Long Beach Island. Its homes are assessed at well over a billion dollars. Flood, wind and second-home rules are what we insure for here.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Harvey Cedars, NJ?
Stonebrook Insurance is an independent agency that insures Harvey Cedars homes, flood, rentals and boats.
Do I need flood insurance in Harvey Cedars?
Yes. The whole borough is a barrier island.
Is a second home insured like a primary home?
No. Carriers write it as seasonal or secondary.
Do you insure weekly rentals?
Yes.
Harvest Quarters, the cedars and High Point.
The name comes from Harvest Quarters, a 1751 whaling and harvest camp, and the cedars that grew here. The borough was incorporated on December 15, 1894, from Union Township, and part of it was once called High Point.
Harvey Cedars covers 1.19 square miles, but less than half of that is land. On some blocks the island is only a few hundred feet wide, ocean to bay. County Route 607, Long Beach Boulevard, is the only road through.
Year-round it’s a quiet town of under 400 people; in summer it swells to about 12,000. Most of its 1,200-plus homes are second homes, and the borough’s homes were assessed at about $1.28 billion in 2019.
Everything you insure in Harvey Cedars.
The local facts that shape your coverage.
From Census data and borough records.
| Fact | Harvey Cedars | Why it matters |
|---|---|---|
| Population | 391 (2020); about 12,000 in summer | Mostly second homes. |
| Area | 1.19 square miles, 0.56 land | Water on both sides. |
| Housing units | 1,214 | Seasonal and rental rules. |
| Assessed value (2019) | About $1.28 billion | High rebuild costs. |
An independent agency for Harvey Cedars.
Because we’re independent, we compare more than 25 carriers, including the high-net-worth carriers in our Private Client group, and put your home, cars and umbrella together.
Many Harvey Cedars owners also have a primary home elsewhere. We insure both, and the flood, together.
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.
“The team at Stonebrook was communicative and responsive. Rebecca took the time to answer all my questions, and was efficient in understanding my needs and meeting them.”
“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.”
More for Harvey Cedars homeowners.
What Harvey Cedars homeowners ask us.
What insurance agency serves Harvey Cedars, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Harvey Cedars homes, flood, cars and boats.
Where does the name Harvey Cedars come from?
From Harvest Quarters, a 1751 camp, and the cedars.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Long Beach Township, Surf City, Ship Bottom, Beach Haven.
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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