Insurance for Long Beach Township, from Loveladies to Holgate
Long Beach Township stretches in pieces along Long Beach Island, from Loveladies to Holgate. About 3,150 people live here year-round, and the island swells to as many as 130,000 in summer. Flood, wind, second homes and rentals shape every policy.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Long Beach Township, NJ?
Stonebrook Insurance is an independent agency that insures Long Beach Township homes, cars and businesses, often through high-net-worth carriers.
Do I need flood insurance in Long Beach Township?
Yes. It’s a barrier island.
Do you insure weekly rentals?
Yes.
Is a second home insured like a primary home?
No. Carriers write it as seasonal or secondary.
The Beach Patrol, the Walsh Act and Sandy.
Long Beach Township was formed in 1899 from five mainland townships. Barnegat City (now Barnegat Light) split off in 1904 and Ship Bottom in 1925, leaving the township in sections along the island. Its Beach Patrol, formed in 1936, guards Loveladies, North Beach, Brant Beach, Beach Haven Crest, Spray Beach and Holgate.
About 75% of the township is water. In Hurricane Sandy, dozens of homes and businesses were damaged or destroyed and up to four feet of sand covered some streets; repairs across LBI were estimated at up to $1 billion.
County Route 607, Long Beach Boulevard, is the only road through. High schoolers go to Southern Regional in Manahawkin.
Everything you insure in Long Beach Township.
The local facts that shape your coverage.
From Census data and local history.
| Fact | Long Beach Township | Why it matters |
|---|---|---|
| Population | 3,153 (2020); up to 130,000 on LBI in summer | Mostly second homes. |
| Land area | 5.45 square miles; about 75% water | Water on both sides. |
| Sections | Loveladies, North Beach, Brant Beach, Spray Beach, Holgate | Each with its own feel. |
| Sandy (2012) | Up to 4 feet of sand; up to $1 billion on LBI | Flood comes first. |
The Long Beach Township our clients know.
Loveladies
The north end.
Brant Beach
Mid-island.
Spray Beach
South of Beach Haven Crest.
Holgate
The southern tip.
Forsythe Refuge
At Holgate.
Long Beach Boulevard
The only road through.
An independent agency for Long Beach Township.
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.
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.
“great team of workers in office! rachel was efficent, helpful, & most important very knowledgeable. wouldn't hesitate to refer to family & friends.”
“The whole team at Stonebrook is great, especially Rebecca. Super knowledgeable about insurance and looks out for your best interest, no upselling.”
“This agency got me a better policy for a fraction of what I was paying prior. I highly recommend giving them a try!”
More for Long Beach Township families.
What Long Beach Township families ask us.
What insurance agency serves Long Beach Township, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Long Beach Township homes, cars and businesses.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Loveladies, Ship Bottom, Beach Haven.
Sources for this page
- Wikipedia: Long Beach Township, New Jersey
- Ocean County Multi-Jurisdictional Hazard Mitigation Plan (May 2025)
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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