Freehold has 12,507 residents in 4,201 households. We list 16 insurance agencies in Freehold. Here is what the local numbers say about the cover people here need.

Freehold at a glance

16insurance agencies listed
46.2%of households rentRenters insurance
$416,800median home valueHome insurance
1960median year homes were builtRebuild cost calculator
19%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 Monmouth County

FEMA rates the overall natural hazard risk in Monmouth County, where most Freehold 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
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
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
Ice stormRelatively High

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

What Freehold agencies can write

Share of the 16 agencies listed in Freehold that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in Freehold

How do I find an insurance agency in Freehold?

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 insurance can I get from agencies in Freehold?

Most often life, health, accident & health. Pick a type in the filters to narrow the list.

Do I need flood insurance in Freehold?

FEMA's National Risk Index rates inland flooding risk in Monmouth 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 Freehold?

46.2% of households in Freehold 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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