Insurance for Ocean City, America’s Greatest Family Resort
Ocean City is about 11,200 year-round residents on an eight-mile barrier island that fills up every summer. In Sandy, the bayside tide hit 9.31 feet, a record, and about 29% of homes had major damage. Flood, wind, second homes and rentals shape every policy.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Ocean City, NJ?
Stonebrook Insurance is an independent agency that insures Ocean City homes, cars and businesses across more than 25 carriers.
Do I need flood insurance in Ocean City?
Yes. It’s a barrier island, and Sandy set a record tide on the bay.
Do you insure condos and rentals?
Yes.
Is Ocean City a dry town?
Yes, since its founding.
Peck’s Beach, the Methodists and the boardwalk.
Ocean City was Peck’s Beach until Methodist ministers founded a camp meeting here in 1879. It became a borough in 1884 and a city in 1897, and it has been dry since the beginning.
The Sindia ran aground here in 1901. A 1927 fire led the city to move the boardwalk closer to the ocean; today it runs about 2.45 miles. Corson’s Inlet State Park protects the south end.
In Sandy, the bayside tide reached 9.31 feet, beating the 1944 record, and about 29% of houses had major to severe damage. Route 52 and the 9th Street bridge connect to Somers Point.
Everything you insure in Ocean City.
The local facts that shape your coverage.
From Census data and local history.
| Fact | Ocean City | Why it matters |
|---|---|---|
| Population | 11,229 (2020) | Far larger in summer. |
| Land area | 6.75 square miles | Barrier island. |
| Sandy (2012) | Record 9.31-foot bay tide; ~29% of homes major damage | Flood comes first. |
| Roads | Route 52, Roosevelt Blvd, Ocean Drive | The way on and off. |
| Dry town | Yes | No liquor sales. |
The Ocean City our clients know.
The Boardwalk
About 2.45 miles.
Asbury Avenue
Downtown shops.
Corson’s Inlet State Park
The south end.
Gardens
The north end.
The Bayside
Marinas and lagoons.
An independent agency for Ocean City.
Because we’re independent, we compare more than 25 carriers 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 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.”
“Really happy with Stonebrook Insurance. The team was super easy to work with and always got back to me quickly. They made the whole process simple and stress-free. Would definitely recommend them to anyone looking for good coverage and great service.”
More for Ocean City families.
What Ocean City families ask us.
What insurance agency serves Ocean City, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Ocean 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, Margate 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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