Union County has 579,290 residents in 203,277 households. We list 4 agencies for home insurance in Berkeley Heights. Here is what the local numbers say about the cover people here need.

Berkeley Heights at a glance

4home insurance agencies listed
42.6%of households rentRenters insurance
$529,200median home valueHome insurance
1956median year homes were builtRebuild cost calculator
10.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Union County (the Census does not publish Berkeley Heights as a separate place). Agency count: our listings.

Natural hazard risk in Union County

FEMA rates the overall natural hazard risk in Union County, where most Berkeley Heights agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Berkeley Heights
Winter weatherVery High
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Berkeley Heights
Ice stormVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Questions

Home insurance in Berkeley Heights

All insurance agencies in Berkeley Heights · Home insurance across New Jersey

Where can I find home insurance in Berkeley Heights?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Berkeley Heights?

FEMA's National Risk Index rates inland flooding risk in Union County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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