Insurance for Margate City
Margate is about 5,300 year-round residents on 1.4 square miles of Absecon Island, and nearly two-thirds of its homes are second homes. Flood, wind and second-home rules shape every Margate policy.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Margate City, NJ?
Stonebrook Insurance is an independent agency that insures Margate City homes, cars and businesses, often through high-net-worth carriers.
Do I need flood insurance in Margate?
Yes. It’s a barrier island town.
Is a second home insured like a primary home?
No. Carriers write it as seasonal or secondary.
Do you insure bayfront homes and docks?
Yes.
South Atlantic City, the boardwalk and Lucy.
Margate began in 1885 as the Borough of South Atlantic City and was renamed in 1909 for Margate in Kent, England. Its boardwalk, built in 1906, was destroyed in pieces by the 1944 hurricane and the 1962 Ash Wednesday Storm.
Lucy the Elephant, 65 feet tall, has stood here since 1881 and is a National Historic Landmark; her latest restoration finished in 2022. Marven Gardens, the neighborhood misspelled on the Monopoly board, is partly in Margate.
No state highway enters the city. Jerome Avenue and the Downbeach Express bridge connect to the mainland, and Ventnor Avenue runs the length of town.
Everything you insure in Margate City.
The local facts that shape your coverage.
From Census data and local history.
| Fact | Margate City | Why it matters |
|---|---|---|
| Population | 5,317 (2020) | Much larger in summer. |
| Land area | 1.42 square miles | Ocean and bay. |
| Second homes | About 63% of housing units vacant at census time | Seasonal rules. |
| Storms | 1944 hurricane, 1962 Ash Wednesday Storm | Flood and wind history. |
The Margate City our clients know.
Lucy the Elephant
Since 1881.
Ventnor Avenue
Shops and restaurants.
The Bayfront
Marinas and docks.
Marven Gardens
The Monopoly neighborhood.
An independent agency for Margate City.
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.
“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.”
“Sam and the entire Stonebrook team have been incredible to work with. Insurance can be stressful, but they make the process feel easy and personal. … They consistently shop the market and make sure I'm getting the best coverage at the best possible price, not just a quick quote.”
More for Margate City families.
What Margate City families ask us.
What insurance agency serves Margate City, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Margate City 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: Longport, 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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