Insurance for Lavallette
Lavallette is about 1,800 year-round residents on less than a square mile of barrier island between the ocean and Barnegat Bay, with nine ocean beaches and two on the bay. Flood, wind and second homes shape every Lavallette policy.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Lavallette, NJ?
Stonebrook Insurance is an independent agency that insures Lavallette homes, cars and businesses, often through high-net-worth carriers.
Do I need flood insurance in Lavallette?
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 summer rentals?
Yes.
Admiral La Vallette and the barrier island.
Lavallette was incorporated in 1887 from Dover Township, now Toms River, and named for Rear Admiral Elie A. F. La Vallette, whose son helped found it.
It’s a quiet family beach town, ranked 8th best place to live by New Jersey Monthly in 2008, with a median age over 60. Route 35 runs the length of town between Ortley Beach and the Dover Beaches to the north.
Like its neighbors, Lavallette was hit hard by Sandy in 2012, and flood and wind coverage now come first for every home here.
Everything you insure in Lavallette.
The local facts that shape your coverage.
From Census data and local history.
| Fact | Lavallette | Why it matters |
|---|---|---|
| Population | 1,787 (2020) | Much larger in summer. |
| Land area | 0.82 square miles | Water on both sides. |
| Beaches | Nine ocean, two bay | Summer crowds. |
| Road | Route 35 | The only road through. |
| High school | Point Pleasant Beach HS | Teen drivers. |
The Lavallette our clients know.
The Beaches
Nine on the ocean.
Barnegat Bay
Two bay beaches.
Centennial Gazebo
Town center.
Route 35
Shops and restaurants.
An independent agency for Lavallette.
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.
“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!”
“Great experience overall. Responsive, knowledgeable, and easy to work with. Everything was handled clearly and efficiently.”
More for Lavallette families.
What Lavallette families ask us.
What insurance agency serves Lavallette, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Lavallette 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: Seaside Heights, Toms River, Mantoloking.
Sources for this page
- Wikipedia: Lavallette, 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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