Insurance for Stone Harbor
Stone Harbor is about 800 year-round people and more than 20,000 in summer, on the south end of Seven Mile Island. High-value shore homes, flood and boats are what we insure here.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
To speak with an insurance advisor now, callCall an insurance advisor at (732) 905-4100Monday–Friday, 9 a.m.–5 p.m.
We’re closed right now. Leave your number and an advisor will call you back the next business morning.
Short answers
Who insures homes in Stone Harbor, NJ?
Stonebrook Insurance is an independent agency that insures Stone Harbor homes, cars and businesses, often through high-net-worth carriers.
Does Stone Harbor flood?
Yes. It’s a barrier island, open to ocean and back-bay flooding.
Do you insure high-value shore homes?
Yes, with high-net-worth carriers.
Do you insure boats?
Yes.
Captain Stone, the water tower and the Point.
Legend says Stone Harbor is named for an English captain named Stone who sheltered here in a storm. It grew as a resort on the West Jersey and Seashore Railroad, and became a borough on April 3, 1914, from Middle Township.
The 133-foot water tower, built in 1924, is the oldest municipal structure still in use. Villa Maria by the Sea opened in 1937 and gave “Nun’s Beach” its name. Stone Harbor Point, the bird sanctuary and the Wetlands Institute keep much of the island wild.
Stone Harbor has some of the most expensive ZIP codes in New Jersey, and the highest average property tax bill in Cape May County in 2018.
Everything you insure in Stone Harbor.
The local facts that shape your coverage.
From Census data and local history.
| Fact | Stone Harbor | Why it matters |
|---|---|---|
| Year-round population | 796 (2020) | Over 20,000 in summer. |
| Land area | 1.42 square miles | Ocean and back bays. |
| Home values | Among New Jersey’s highest | High-value shore homes. |
| Roads | Ocean Drive; Stone Harbor Blvd to the Parkway | The way on and off. |
| Nature | Stone Harbor Point, Wetlands Institute | Undeveloped shoreline. |
The Stone Harbor our clients know.
Third Avenue
Shops and restaurants.
Stone Harbor Point
Dunes and birds.
The Wetlands Institute
On the causeway.
Nun’s Beach
Surfing at Villa Maria.
The Water Tower
Since 1924.
An independent agency for Stone Harbor.
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.
“Sam and the entire Stonebrook team have been incredible to work with. Insurance can be stressful, but they make the process feel easy and personal. … They consistently shop the market and make sure I'm getting the best coverage at the best possible price, not just a quick quote.”
“great team of workers in office! rachel was efficent, helpful, & most important very knowledgeable. wouldn't hesitate to refer to family & friends.”
“The whole team at Stonebrook is great, especially Rebecca. Super knowledgeable about insurance and looks out for your best interest, no upselling.”
More for Stone Harbor families.
What Stone Harbor families ask us.
What insurance agency serves Stone Harbor, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Stone Harbor 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: Avalon.
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.
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.