Caldwell has 9,003 residents in 3,799 households. We list 7 insurance agencies in Caldwell. Here is what the local numbers say about the cover people here need.

Caldwell at a glance

7insurance agencies listed
58.1%of households rentRenters insurance
$575,400median home valueHome insurance
1959median year homes were builtRebuild cost calculator
8.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Essex County

FEMA rates the overall natural hazard risk in Essex County, where most Caldwell 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 New Jersey
Winter weatherVery 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
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in New Jersey
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in New Jersey

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

Questions

Insurance agencies in Caldwell

How do I find an insurance agency in Caldwell?

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.

Do I need flood insurance in Caldwell?

FEMA's National Risk Index rates inland flooding risk in Essex 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.

Do I need renters insurance in Caldwell?

58.1% of households in Caldwell rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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