Montvale has 8,901 residents in 3,126 households. We list 10 insurance agencies in Montvale. Here is what the local numbers say about the cover people here need.

Montvale at a glance

10insurance agencies listed
20%of households rentRenters insurance
$709,700median home valueHome insurance
1968median year homes were builtRebuild cost calculator
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 Bergen County

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

Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance
Winter weatherVery High
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 Montvale
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
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Montvale

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

What Montvale agencies can write

Share of the 10 agencies listed in Montvale 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 Montvale

How do I find an insurance agency in Montvale?

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 Montvale?

Most often home, auto, umbrella, valuable items, collectible auto. Pick a type in the filters to narrow the list.

Do I need flood insurance in Montvale?

FEMA's National Risk Index rates coastal flooding risk in Bergen County as Very 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 Montvale?

20% of households in Montvale 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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