Insurance for Beach Haven, the Queen City of Long Beach Island
Beach Haven began in 1873 as a resort for wealthy Philadelphians who came by train and boat and stayed in grand hotels. The hotels are gone, the Victorian cottages remain, and every bit of the town’s developed land is in FEMA’s 1% floodplain. Here’s how to insure a home, car or business in Beach Haven.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Beach Haven, NJ?
Stonebrook Insurance is an independent agency that insures Beach Haven homes, rentals, cars and businesses.
Is all of Beach Haven in a flood zone?
All of its developed land is in the 1% floodplain, per the 2025 Ocean County plan.
Are most homes second homes?
Yes. In 2010 there were 2,667 housing units and 531 year-round households.
Do you insure rental homes?
Yes, with landlord coverage and flood.
The Queen City, from grand hotels to Fantasy Island.
Beach Haven was laid out in 1873 at the south end of Long Beach Island as a resort for wealthy Philadelphians. Guests came by train and boat, and later by a railroad across the bay, to big hotels like the Engleside and the Baldwin, and the town was incorporated from Eagleswood Township on November 11, 1890. Locals still call it the Queen City.
In July 1916 Charles Vansant was killed by a shark off the east end of Engleside Avenue, the first of the Jersey Shore attacks that later inspired Jaws. The 1944 Great Atlantic Hurricane destroyed hotels and the boardwalk. Sandy in 2012 washed away the Fifth Street and Pearl Street pavilions, rebuilt by June 2013.
Today the Beach Haven Historic District protects blocks of Victorian and Edwardian cottages. Fantasy Island amusement park, Thundering Surf waterpark, Bay Village, Schooner’s Wharf and the Surflight Theatre, founded in 1950, fill the summer.
Everything you insure in Beach Haven, in one place.
Each guide is written for Beach Haven.
The local facts that shape your coverage.
From Census data, the National Register and the 2025 Ocean County plan.
| Fact | Beach Haven | Why it matters |
|---|---|---|
| Population | 1,027 (2020) | A small year-round town. |
| Homes vs. households | 2,667 housing units; 531 year-round households (2010) | About four in five homes aren’t lived in year-round. |
| Area | 2.33 square miles, 0.98 of it land | More water than land. |
| Developed land in the 1% floodplain | 100% | See flood. |
| Historic district | Victorian and Edwardian homes (NRHP) | Older construction. |
| Main road | Bay Avenue (CR 607); no state highway | One road up the island. |
The Beach Haven our clients know.
Fantasy Island
The amusement park and arcade on Centre Street.
Bay Village and Schooner’s Wharf
Shops and restaurants on the bay side of Bay Avenue.
Surflight Theatre
The 450-seat summer theater, founded in 1950 and reopened in 2017.
NJ Maritime Museum
Shipwrecks and shore history on Dock Road.
LBI Historical Museum
In the old Holy Innocents’ church on Engleside Avenue.
The Historic District
Victorian cottages on the blocks around Beach Avenue.
An independent agency for Long Beach Island homes.
Beach Haven homes belong with carriers that understand barrier islands and rentals. Because we’re independent, we compare more than 25 and put your shore house, flood, cars and umbrella together.
Many Beach Haven owners keep a primary home in Pennsylvania or North Jersey. We write in all 50 states, so both homes can sit with one agency.
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.
“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.”
“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.”
More for Beach Haven homeowners.
What Beach Haven homeowners ask us.
What insurance agency serves Beach Haven, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Beach Haven homes, rentals, cars and businesses.
Why is Beach Haven called the Queen City?
It was the island’s first major resort, built around grand hotels for Philadelphians.
When was Beach Haven incorporated?
On November 11, 1890, from Eagleswood Township.
Was the Jaws story based on Beach Haven?
The 1916 shark attacks that inspired it began with a fatal attack off Engleside Avenue in Beach Haven.
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, Ship Bottom, Surf City.
Sources for this page
- Wikipedia: Beach Haven, New Jersey
- Wikipedia: Beach Haven 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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