Insurance for Short Hills
Short Hills is Stewart Hartshorn’s planned village inside Millburn Township, about 14,400 people with a median household income above $250,000. Here’s how to insure your home, collections and cars, on one page.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Short Hills, NJ?
Stonebrook Insurance is an independent agency that insures Short Hills homes, often through high-net-worth carriers.
Is Short Hills its own town?
No. It’s part of Millburn Township.
Should I schedule jewelry and art?
Yes.
How big an umbrella do I need?
Often $3–5 million or more.
Hartshorn’s village, the station and the Mall.
Stewart Hartshorn, who invented the spring roller shade, bought land here and built a planned village of 1,552 acres. He built the Short Hills station in 1879, and a post office followed in 1880.
Since 1996 the Kearny Connection has run trains straight to Penn Station. The Cora Hartshorn Arboretum, Greenwood Gardens and The Mall at Short Hills are here, and Dun & Bradstreet has its headquarters in town. Teenagers attend Millburn High School.
The local facts that shape your coverage.
| Fact | Short Hills | Why it matters |
|---|---|---|
| Population | 14,422 (2020) | Part of Millburn. |
| Median household income | Over $250,000 | High-value homes and collections. |
| Train | Short Hills station, direct to Penn Station | Commuters. |
| Landmarks | Hartshorn Arboretum, Greenwood Gardens | Trees and older homes. |
The Short Hills our clients know.
The Mall at Short Hills
On JFK Parkway.
Short Hills Station
Direct to New York.
Cora Hartshorn Arboretum
Woods and trails.
Chatham Road
The village strip.
Insuring a Short Hills home.
Rebuild Cost
Custom and historic homes cost more to rebuild.
Jewelry, Art, Wine
Scheduled, agreed value.
Sewer Backup and Leaks
Add the endorsement.
Umbrella
$3–5 million or more.
How we usually set up a Short Hills home policy.
| Coverage | Typical policy | What we usually recommend in Short Hills |
|---|---|---|
| Dwelling | A fixed limit | Guaranteed or extended replacement cost |
| Water backup | Not included | Add it |
| Liability | $300,000 | $1 million plus a large umbrella |
| Carrier | Standard | Private Client carriers |
Your car insurance in Short Hills.
New Jersey’s 2026 minimum is $35,000/$70,000 for injuries and $25,000 for property damage. We usually recommend much more.
Higher Limits
$250,000/$500,000 or more.
Deer, Trees, Theft, Flood
Worth having.
New Drivers
List them.
Extra Liability
Recommended.
Insuring a home in Short Hills?
We’ll compare carriers and quote it.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“This agency got me a better policy for a fraction of what I was paying prior. I highly recommend giving them a try!”
“Great experience overall. Responsive, knowledgeable, and easy to work with. Everything was handled clearly and efficiently.”
“Straightforward advice and great rates! I like how they don't hesitate to point you to a different agency or carrier if they feel you can get better elsewhere”
More for Short Hills families.
What Short Hills families ask us.
What insurance agency serves Short Hills, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982.
Does homeowners cover flood?
No. You need a separate flood policy.
What are New Jersey’s 2026 minimum limits?
At least $35,000 per person and $70,000 per accident for bodily injury and $25,000 for property damage, plus PIP and uninsured motorist coverage.
Neighbors: Millburn, Livingston, Summit.
Sources for this page
- Wikipedia: Short Hills, New Jersey
- NJ Department of Banking and Insurance: auto insurance guide (2026)
Figures come from the sources listed and are dated where the source gives a date. Coverage descriptions are general; your policy wording controls.
Let’s discuss how we can protect what you’ve built.
Take 30 seconds to take the first step towards better coverage.
Get a quote.
Tell us what you need and we’ll take it from there.