Insurance for Bay Head Homes, at the Head of Barnegat Bay
Bay Head is about two-thirds of a square mile at the very top of Barnegat Bay, with more than 550 historic buildings in its National Register district and a stone seawall from 1882 buried under its dunes. Its homes are old, valuable and close to water on two sides. That’s what we insure for.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Bay Head, NJ?
Stonebrook Insurance is an independent agency that insures Bay Head homes, often through high-net-worth carriers in our Private Client group, along with flood, boats and cars.
Do I need flood insurance in Bay Head?
Yes. The 2025 Ocean County plan puts about 71% of the borough’s developed land in the 1% floodplain.
Can you insure a historic shingle-style home?
Yes. High-net-worth carriers can rebuild with matching materials and craftsmanship.
Can you insure my primary home too?
Yes. We write in all 50 states, so your Bay Head house and your home in North Jersey or New York can sit together.
A railroad sign, a land company and a quiet Gold Coast town.
Bay Head took its name from its place at the head of Barnegat Bay, and from the railroad sign that marked the stop. Princeton investors formed the Bayhead Land Company in 1879, a post office opened in 1882, and on June 15, 1886, the borough was incorporated from part of Brick Township.
In 1882 the town built a stone rubble seawall about 4,130 feet long along its oceanfront. Over the next century it disappeared under the dunes. In Hurricane Sandy in 2012, that buried wall is credited with reducing damage to the homes behind it, while neighboring Mantoloking was breached.
Bay Head and Mantoloking are often called the Gold Coast of the Jersey Shore. The Bay Head Historic District, listed on the National Register in 2005, counts more than 550 contributing buildings, many of them shingle-style, Stick-style and Queen Anne cottages. In 1950 L. Ron Hubbard wrote Dianetics here.
Everything you insure in Bay Head, in one place.
Each guide is written for Bay Head.
The local facts that shape your coverage.
From Census data, the National Register and the 2025 Ocean County plan.
| Fact | Bay Head | Why it matters |
|---|---|---|
| Population | 930 (2020) | A small year-round town. |
| Homes vs. households | 1,023 housing units; 459 year-round households (2010) | More than half the homes are second homes. |
| Area | About 0.71 square miles, 0.59 of it land | Water on both sides. |
| Historic district | 550+ contributing buildings (NRHP 2005) | Older construction and costly rebuilds. |
| Developed land in the 1% floodplain | About 71% | See flood. |
| Seawall | 4,130 feet, built 1882 | Buried under dunes; helped in Sandy. |
The Bay Head our clients know.
The Oceanfront
Shingle-style houses behind the dunes and the buried 1882 seawall.
Twilight Lake
The small lake in the middle of town, ringed by homes.
Bridge Avenue and Main Avenue
The little shopping streets near the station.
Bay Head Station
Where North Jersey Coast Line trains end their run.
The Bay
Yacht clubs, marinas and the top of Barnegat Bay.
Mantoloking
Bay Head’s neighbor to the south on the Gold Coast.
An independent agency for Gold Coast homes.
Bay Head homes belong with carriers that understand historic construction on a barrier island. Because we’re independent, we compare more than 25, including the high-net-worth carriers in our Private Client group, and put your house, flood, 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.
“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”
“The best people to work with. They know all there is to know about insurance. Especially Nate.”
More for Bay Head homeowners.
What Bay Head homeowners ask us.
What insurance agency serves Bay Head, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Bay Head homes, often through Stonebrook Private Client, along with flood, boats and cars.
How did Bay Head get its name?
From its place at the head of Barnegat Bay, and the railroad sign that marked the stop.
When was Bay Head incorporated?
On June 15, 1886, from part of Brick Township.
Did Bay Head’s seawall help in Sandy?
Yes. The 1882 stone seawall, buried under the dunes, is credited with reducing damage to homes behind it.
Is Bay Head a historic district?
Yes. The Bay Head Historic District was listed on the National Register in 2005 with more than 550 contributing buildings.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Mantoloking, Point Pleasant Beach, Point Pleasant, Brick, Lavallette.
Sources for this page
- Wikipedia: Bay Head, New Jersey
- Wikipedia: Bay Head Historic District
- 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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