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Insurance Agents to Avoid

332

Top Rated Insurance Agents

23

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Over 2,963 reviews for
Somerville Insurance Agents from people just like you.

D
"In several ways it was not good at all. As an insurance advisor, Spinillo never gave me the advice all home-owners should have, advice my current gives me. For" example, she did not explain how to handle damage events, such as the ice dams my house had in 2014. Somehow, one event got classified as two, which ended up losing me my house insurance. Also, whenever I would call the agency, there was no one who answered the phone. I'd get a response back days later, always with some excuse: an illness, the weather, a car breakdown. Then, when I requested cancellation of a supplementary policy for valuables, which I decided I did not need, not having many very valuable things, the company neglected to follow through on the cancellation. I had contacted the insurance company, which told me I had to cancel through the agent. So, I called them to request the cancellation. I wrote them an email to request cancellation. They acknowledged my email and sent me a form to cancel. I filled out the form they sent me to sign, to formally request cancellation. The form was delivered to them from me, by email successfully. But they did not ever cancel the policy and the insurance company is still billing me for a policy I cancelled months ago Insurance agencies are required to carry out the lawful requests of their customers. This agency did not do that.

-Anna C R.

A
"
has always been my preferred insurance provider, and they still write a lot of my insurance. However, their rates have always been a bit" on the high side. In this case, their rate was way too high. AAA is fairly new at homeowner's insurance in Florida, but by bundling homeowners + 1 of my cars + an umbrella policy, they made me "an offer I couldn't refuse" on the rate.

-Donald C.

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Local Articles in Somerville

burned down house

Insurance Agents

Insurance agents represent one or more insurance companies and sell a variety of products including life, homeowners, auto and long-term care insurance.

 Water damage as a result of poor maintenance is considered neglect and may not be covered. (Photo courtesy of Angie's List member Brock G. of Richfield, Ohio)
Insurance Agencies

Water everywhere ... are you covered? Water damage is the most common homeowner's insurance claim. It can go beyond flooding to include backups and pipe damage.

A higher deductible will save you money on your annual insurance premium, but be sure to review the pros and cons before changing your policy. (Photo by Summer Galyan)
Insurance Agencies

A high deductible homeowners insurance policy will save you money on your annual premium, but review these pros and cons of such a policy before you sign.

High deductible insurance policies are often a popular option for homes of higher insured value, as homeowners tend to have the means to pay the deductible if necessary. (Photo courtesy of Angie's List member Todd C., of Maple Valley, Wash.)
Insurance Agencies

Is high deductible homeowners insurance inevitable? As more insurance companies require homeowners to cover more of a claim, what does that mean for you?

Fire damaged home
Water & Smoke Damage, Insurance Agencies

Will homeowners insurance cover water damage? Can insurance pick the contractor? Do you pay the deductible upfront? What you need to know before a disaster.

Angie's Answers

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First, call your insurance company and tell them you do not want any proceeds paid to the contractor under your policy as you are not going with them.  This way they can not collect money on your behalf.  Insurance will typically have you sign a form for release of funds anyway but this is a good extra step to make sure your signature isn't forged.  Second, call the contractor and tell them you will not be needing their services afterall.  Did your husband pay a deposit?  If so it may be non-refundable.  Then follow up with a certified letter. 

 

An email as well doesn't hurt but some states don't yet recognize email as a form of communication for legally binding documentation.  This may have changed and I'm sure more states do recognize them as I haven't followed that topic elsewhere as much as I used to.  The contractor's office should be local.  A sure fire way to ensure they got the message is to deliver the letter to the office of the contractor and have someone at the office sign a duplicate stating it has been recieved and read.  There's no arguing whether they received it or not by doing that.

 

Hopefully you've learned your lesson about high pressure sales techniques and storm chasers looking for a quick buck.  Some people find out a much harder way.  While these guys may be legitimate you should always do your homework on a contractor before signing the contract.  Unless you have water running out of the house and the work has to be done on the spot it's not so much of an emergency that it can't wait until the next day.

 

Todd Shell

Todd's Home Services

San Antonio, TX

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Consider going to library an reading Consumer Reports rating on home insurance companies in your area.  For affordabilty elect the highest deductable you can stomach.  This will lower your premioum, I went thru Costco, they and Sam's Club can be a valuable resource for home and car insurance. Shop on line with your needs to save money.  Unless you have major assets forget large policy. For your gutter and roofing needs see my blog.
Jim Casper 

Insurance Agent reviews in Somerville

A

Rating
The claims representative,
Somerville Insurance Agents Provider Name Locked
Angel, is why I am spending my time to write this review. Mr.
Somerville Insurance Agents Provider Name Locked
did an excellent job of communicating what the situation was and what needed to be done. Excellent customer service.
- Alex B.
A

Rating
Excellent customer service.
Somerville Insurance Agents Provider Name Locked
and his staff walked us through every step of the process. He helped us compare various packages based on our needs and budget. Dealing with our mortgage company has NOT been satisfactory, however the
Somerville Insurance Agents Provider Name Locked
insurance staff has helped to make thos dealings less painful. The
Somerville Insurance Agents Provider Name Locked
office kept informed about multiple oversights made by the mortagage company. They were able to care of most of them without my getting involved. They have been really great every single step of the way.
We initially received quotes from multiple offices, but we put our trust in
Somerville Insurance Agents Provider Name Locked
and i couldn't be happier that we did.
- Garett M.
A

Rating
Couldn't have gone better!
Somerville Insurance Agents Provider Name Locked
got competitive quotes for my auto, home and umbrella liability policies. He also helped me do a side by side comparison of coverages to ensure the quotes were equivalent to what I already had. In the end, I got slightly better coverage (due to the bidder's packaging) and saved 18%. This was likely a small deal for
Somerville Insurance Agents Provider Name Locked
but he didn't treat it like one at all
- Thomas J.
A

Rating
This institution is absolutely top shelf. From their obvious commitment to service members, veterans and the rest of their customers; to their high quality products and services; to the expertise and acumen of every single person with whom I've ever interacted, to their outstanding customer service ...
Somerville Insurance Agents Provider Name Locked
is absolutely the best in the business!
- Gregg B.
A

Rating
Somerville Insurance Agents Provider Name Locked
was extremely responsive, and professional in guiding me thru the tough process of purchasing life insurance. I liked the fact that they are an Independent carrier representing multiple lines. They are a great source in helping someone to objectively determine what one truly needs. I feel as if
Somerville Insurance Agents Provider Name Locked
really takes the time to know you and your family. We are not just a "number" to them, and they worked hard to establish and maintain our trust! I intend to speak with them about my property and auto insurance now that January is here!


- Barb A.
F

Rating
The experience has been disappointing and frustrating. After several years of being covered by
Somerville Insurance Agents Provider Name Locked
for home insurance without incident or claim, I am in the midst of a claim dispute with this carrier. After several instances of
Somerville Insurance Agents Provider Name Locked
’s adjusters seeking to minimize payment by disputing receipts for items in the home prior to loss, challenging documentation, etc. and being overall contentious about my losses and claim, I finally had to hire a public adjuster to represent my interest fairly and appropriately. My public adjuster identified several omissions for losses and damages missed by the insurance company’s adjusters.
For anyone with a significant claim and especially if you are having issues, I recommend consulting with a reputable public adjuster to see if its right for you. There is information available on the National Association of Public Adjusters website. You can also have your claim reviewed by your state department of insurance. In my case, I contacted the California Department of Insurance. When dealing with an insurance company on a claim, its helpful to be armed with as much information as you can: · review and understand your policy · ask questions of your agent and broker · obtain second or third opinion estimates as there are things that the adjuster may have missed · in my case, my adjuster referred me to one of their preferred vendors for water damage restoration after the loss. In hindsight, I wish I had hired a restoration company based on referrals from friends or Yelp and not one identified by insurance.
- Jane H.
A

Rating
I switched from Allstate to
Somerville Insurance Agents Provider Name Locked
AAA Agency and their customer service was much better. They are much more responsive than my old agency, at a lower price. They offer auto and home insurance, and roadside assistance. I would highly recommend them.
- paul S.
A

Rating
It went great.
Somerville Insurance Agents Provider Name Locked
got us insurance far better than we had before with other national and local companies plus at substantial savings.
Somerville Insurance Agents Provider Name Locked
was totally professional, answer all our questions completely, was prompt, and found every discount and improvement in coverage that there is.
We are very satisfied with him and Farm Burear.
- Robert S.

All Insurance Agents in Somerville, NJ

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings, Join Angie's List Now!

01 Insurance

32-26 Steinway St

3 Pointe Financial

8001 Irvine Center Dr

A ZEEMAN CO INC

280 N BEDFORD RD

A Zeeman Company Inc

280 N Bedford Rd

AAA New Jersey Car Care Center

135 Route 22 E
Springfield

AAA New Jersey Car Care Center and AAA New Jersey

135 Route 22 East & Fadem Rd
Springfield

AAA North Jersey

418 Hamburg Turnpike
Wayne

AB Insurance Group

33 East Blackwell Street
Dover

ACE BAIL BONDS

588 NEWARK AVE
Jersey City

ADAPT

514 Middle Country Road

ADP Statewide Insurance - Harrison

208 Harrison Avenue
Harrison

ADVOCATE BROKERAGE CORP

820 SCARSDALE AVE

Affordable Insurance Services

2236-9 Forest Avenue

AFLAC

199 WATER ST

Aflac

1 Blue Hill Plaza

AIC Insurance Agency

100 ROUTE 37 E
Toms River

All About Brokerage

1808 Lace Ave

Allegiant Group Inc

189 W Clarkston Rd

ALLEN & ALLEN INSURANCE

801 Franklin Ave.
Franklin Lakes

Allen Freeman Insurance

135 Green St
Woodbridge

Allstate

2 Coraci Blvd Ste 5

Allstate Insurance - Neil J Greco LLC

25 W Northfield Rd
Livingston

ALLSTATE INSURANCE CO

2880 MERRICK RD.

ALLSTATE INSURANCE CO

485 BLOOMFIELD AVE
Caldwell

ALLSTATE INSURANCE CO

205 W MAIN ST
Somerville

ALLSTATE INSURANCE CO

1050 US HIGHWAY 202 S
Somerville

Allsup Inc

300 Allsup Pl

ALPHA INSURANCE

605 SOUTH AVE W
Westfield

ALPHA OMEGA COVERAGE CORP

1253 Richmond Ave

AMBROSE FINANCIAL SERVICES,LLC

5001 HADLEY ROAD
South Plainfield

America's Retirement Planning Partners LLC

4400 Rt 9 suite 1000
Freeehold

American Home Shield

889 Ridge Lake Blvd

AMERICAN INCOME LIFE INSURANCE

151 Industrial way east
Eatontown

Anderson Insurance Agency

295 Route 72 E
Manahawkin

Apple Insurance Agency

746 Suffolk Ave

Aries Brokerage Services, Inc.

75-34 Metropolitan Ave

ARM-Capacity of New York

90 Broad Street, Suite 1503

ARNEL ASSOCIATES

224 W 35th St Ste 1402

ASSOCIATED INSURANCE AGENCY

200 BUSINESS PARK DR

Axa Advisors

1633 Broadway

BADGER INSURANCE

163 3RD AVE

BADRAN TAX & ACCOUNTING

152 LIVINGSTON AVE
New Brunswick

BATEMAN AGENCY INC

59 W END AVE
Somerville

BB Miller & Co

283 N Broad Street
Elizabeth

BCI INSURANCE SVC INC

16-00 POLLITT DR
Fair Lawn

BECKERMAN & CO

430 LAKE AVE
Colonia

BEERS ORGANIZATION

50 DIVISION ST
Somerville

BENEFIT PROVIDERS

228 Franklin Ave
Nutley

BENEFIT SOLUTIONS

6 HIGHPOINT DR
Wayne

Bergen Brokerage Inc

PO Box 42
Hamburg

BERLINER-GELFAND CO

188 Main Street Suite A

Bert Sweeney State Farm Insurance

35 BEECHWOOD RD
Summit

Best Life Insurance Deals

126 10th Street, Suite 209

Bilateral Equity Company

2720 West Bangs Avenue
Neptune

BNC Insurance Agency

111 S. Ridge Street

BORG & BORG INC

148 E MAIN ST

Borgos, Hanlon, Henry, and Garcia

593 Kearny Avenue
Kearny

Bowden Agency

PO Box 236
Lyndhurst

Brooks Waterburn Corp.

123 Frost St. Ste 204

BROWN & BROWN METRO

30 A Vreeland Road
Florham Park

BWD Group LLC

45 Executive Drive

C&A Financial Group

2431 Atlantic Avenue
Manasquan

C. Walter Searle Insurance Agency

410 Franklin Ave.
Nutley

Caba benefits, LLC

45 Fairchild Place
Whippany

Careington Care 500 Plan

7400 Gaylord Pkwy

CARROLL TITLE AGENCY INC

649 Lafayette Avenue
Hawthorne

CCW Insurance Group

704 Belmar Plaza
Belmar

CD Commercial Agency Inc.

300 Wheeler Rd. Suite 108

CGA ASSOCIATES INC

30 W MAIN ST
Freehold

CHUBB & SON INC

145 W COUNTY DR
Somerville

CHUBB GROUP OF INSURANCE CO

17 IMCLONE DR
Somerville

Chubb Group of Insurance Companies

15 Mountain View Rd
Warren

CIPCO BOARDING CO INC

343 Atlantic Avenue

Client Focused Advisors

122 East 42nd Street

COASTAL FINANCIAL GROUP INC

150 RIVER RD
Montville

COASTLINE TITLE AGENCY INC

620 W LACEY RD
Forked River

Comm-Insure LLC

1433 Oak Tree Road
Iselin

COMMERCIAL AGENCY INC

141 KINDERKAMACK RD
Park Ridge

COMMUNITY BROKERAGE

3226 STEINWAY ST

CONOVER BEYER ASSOC

2600 HIGHWAY 35
Manasquan

Consumers Insurance Inc.

191 Post Road West

Contractors Insurance

152 Mineola Blvd.

Contractorsinsurance.org

152 Mineola Blvd.

Corporate Cleaning Services of New Jersey

1 Hunterdon County Dr
Flemington

Cotten Coverage Insurance

530 Horse Block Rd

Coverage Specialists, Inc

169 Ramapo Valley Rd, ML 3
Oakland

Coverages Unlimited Inc

20 Broadhollow Rd

CSH Group Plans

535 5th Ave

Cynergy Insurance Services

526 Bay Ave
Point Pleasant Beach

D. Simon & Associates

8 South Main st
Marlboro

Dave Gansfuss Agency

32 Wal-Mart Plaza
Clinton

DAVID G SAYLES INSURANCE SVC

899 LINCOLN AVE
Glen Rock

DCAP Insurance

1831D Grand Concourse

Durkin Agency Inc

106 Grand Ave
Englewood

Ed Kalpagian State Farm Insurance

87 West Allendale Avenue
Allendale

Edsall Insurance Services

State Hwy No 94
Vernon

Elite Financial Services

185 Fairfield Ave Suite 1C
West Caldwell

EMERALD FINANCIAL RESOURCES

1140 US Highway 22 Ste 202
Bridgewater

FALLIVENE REAL ESTATE

1011 BLOOMFIELD AVE
Caldwell

Farmers Insurance

326 Route 22 West
Dunellen

Farmers Insurance

300 Interpace Parkway

Farmers Insurance - Victor Pallante

23 Roseland Ave
Caldwell

FOUNDATION INSURANCE SVC LLC

1812 Front Street, PO Box 188
Scotch Plains

Founders Insurance Group

1300 Winsted Road

FRANCHINO AGENCY INC

PO Box 6403
Hillsborough

Frank's multi service

23733 Jamaica Avenue

GAK AGENCY INC

1208 STATE ROUTE 34
Matawan

GALLAGHER & ASSOC INSURANCE

320 Diamond Bridge Avenue
Hawthorne

Garrett Easton Associates Inc.

450 Bloomfield Ave, Suite 203
Verona

Gary G. Emanuel Brokerage, Inc

29-27 Queens Plaza North

Geisenheimer Insurance Agency

39-40 Broadway
Fair Lawn

GENOVA INSURANCE

362 E MAIN ST
Somerville

Genworth Financial

436 Summit Avenue
Hackensack

GEORGE E GRECK AGENCY

75 E MAIN ST
Somerville

GERELLI INSURANCE AGENCY, Inc.

23 Lady Blue Devils Ln

GERRITY BAKER & WILLIAMS INC

3 GOLD MINE RD
Flanders

GONZALEZ & CO INSURANCE

5833 KENNEDY BLVD
North Bergen

GOTHAM BROKERAGE CO INC

75 Maiden Ln Rm 804

GRAND WEST ASSOC

54 N BROADWAY

Grange Insurance

671 S High St

Grapeville Agency

16 Boulevard Ave

GROSSINGER & HELLER LLC

91 E Front St
Red Bank

Hemant Jiwnani State Farm Insurance

2770 John F Kennedy Blvd.
Jersey City

HIGH POINT AUTO INSURANCE

953 US HIGHWAY 202 N
Somerville

HIGH RIDGE AGENCY

266 HIGH RIDGE DR

Hip Solutions, LLC

19 Catan Dr
Flanders

HUGHES-PLUMER & ASSOC

20 W END AVE
Somerville

I & E Insurance Agency

2900 Lakewood Road
Point Pleasant Beach

IGM BROKERAGE INC

2844 WESTCHESTER AVE

INNOVATIVE RISK CONCEPTS INC

179 S Maple Ave
Ridgewood

Insurance Center of North Jersey, Inc.

2 Uiversity Plaza, Suite 118
Hackensack

IRWIN EDELSTEIN ASSOCIATES, INC

15 BRIDGE ST
Metuchen

J P FORTIER & SONS INC

676 Amboy Ave
Woodbridge

J Stine Agency Inc.

65 1st Ave
Atlantic Highlands

Janice Petronella State Farm Insurance

678 RTE 202-206N
Bridgewater

Janmark Brokerage Ltd

99 Hillside Ave Ste S

JD Financial Servies

PO Box 90
Oakhurst

JDA HURLEY INC

1555 Sunrise Highway

Jersey Local Insurance Agency

591 Summit Avenue
Jersey City

Jersey Local Insurance Agency

591 Summit Ave
Jersey City

Jersey Shore Financial Group

1670 Route 34
Farmingdale

Joe Quenqua Insurance Svces.

Carnegie Pk Towers, 200 East 94th St. 27th fl.

Joe Rubino State Farm Insurance

216 Old Tappan Rd
Westwood

KIRKWOOD INSURANCE

91 WASHINGTON AVE

Leo Fenster Agency

1503 Avenue J

LG Insurance Group

135A Brighton Ave
Long Branch

LHB INSURANCE BROKERAGE

176 N Main Street

LIBERTY MUTUAL INSURANCE

1 GATEHALL DR
Parsippany

LIBERTY MUTUAL INSURANCE

135 Corporate Woods

LLI ADVISORY GROUP

202 NORTH AVE E
Cranford

Lorenzo Public Accounting

2 E Blackwell Street
Dover

Lowest Provider Insurance Services

24 Merchants Way
Colts Neck

M. Miller & Son

1211 Liberty Avenue
Hillside

Maiello & Manzi Insurance Agency

193 Ridge Road
North Arlington

Maks Financial Services

822 Executive Dr
Princeton

MARLOW AGENCY INC

63 East Railroad Avenue
Jamesburg

Master Choices LTC LLC

990 Stewart Avenue

MATANO INSURANCE AGENCY

200 BLACK OAK RIDGE RD
Wayne

MAX SAFRIN INSURANCE INC

2266 SPRINGFIELD AVE
Vauxhall

MCM AGENCY INC

ROUTE 100 & 116

MEHALICK INSURANCE

89 Pleasant Run Road
Flemington

MEHALICK INSURANCE

892 US HIGHWAY 22
Somerville

Michael Dalton

55 West Front Street
Keyport

MICHAEL J CONA & SON INC

1877 East 52nd Street

MIDDLETON & CO

186 HALSEY RD
Newton

Miramar Insurance

214 Route 4 East
Paramus

Mo Golany

777 Westchester Avenue

MORIS ROSO

267 Fifth Avenue

MovingClaims.net

PO Box 630686

Mucci Agency Inc

1295 Northern Blvd

MULLER INSURANCE

930 WASHINGTON ST
Hoboken

MULTI LINE INSURANCE

800 Yonkers Ave

MYSTIC INSURANCE AGENCY, Inc.

455 Route 9 South, Suite 201
Little Egg Harbor Twp

N J RISK MANAGERS & CNSLTNTS

20 W END AVE
Somerville

National Public Adjusters Inc

2150 Central Park Avenue

NBC, Inc.

470 Forest Ave

New Century Planning Associates Inc.

83 South Street Ste 305
Freehold

New England Wealth Management Group

99 Biltmore Ave, Suite 341

New York International Group

350 Fifth Avenue, 59th Floor

New York Life Insurance Company

250 Pehle Avenue
Saddle Brook

NJ MANUFACTURERS

301 SULLIVAN WAY
Trenton

NJM Insurance Group

301 Sullivan Way
Trenton

NORTHERN STAR MANAGEMENT INC

35 N MIDDAUGH ST
Somerville

Northwestern Mutual

1670 Route 34
Farmingdale

NY Safe Driver

300 Broadway

O'Gorman & Young Inc

159 Main St
Chatham

Oliver L E Soden Agency

60 West Railroad Ave
Monroe Township

OTTERSTEDT AGENCY

291 MORRIS AVE
Summit

OVATION RISK PLANNERS INC

734 Walt Whitman Rd Ste207A

OXFORD HEALTH PLANS INC

PO Box 349
Iselin

Patel & Associates LLC.

2530 Berryessa Rd

PETER WALSH INSURANCE CONSLTNG

P.O. Box 391
Metuchen

PFS Group Inc.

5306 Church Avenue

PFT&K INSURANCE BROKERS

86 Washington Ave
Milltown

PILGRIM OIL CO

809 E 140TH ST

PLAN PROFESSIONAL INC

1641Third Avenue Suite 24 H

Plymouth Rock Assurance of NJ

331 NEWMAN SPRINGS RD
Red Bank

PPG LLC

79 Kermit Ave

Pride Public Adjusters, Inc.

1230 Avenue of the Americas 7th Floor

Prime Insurance Agency

960 East County Line Rd
Lakewood

PRIORITY AGENCY INC

4103 162ND ST

Prudential Abstract Corp

595 Midland Ave, Suite 2

PUPKIN INSURANCE

1852 FLATBUSH AVE

Rain Guo State Farm Insurance

161-14 Union Turnpike

Rainy Day Health & Life

2050 Lakeville Rd

Ralph S. Adorno, C.L.U. & Associates

558 Peekskill Hollow Road

RARITAN AGENCY

754 STATE ROUTE 18
East Brunswick

REPUBLIC CLAIMS ASSOC INC

4 PLEASANT PLAINS AVE

RICE AGENCY

33 W HIGH ST
Somerville

Senior Health Direct

719 E. Grand River Ave.

Sergio Bio State Farm Insurance

25 Hawthorne Avenue
Park Ridge

SERVPRO of Aberdeen/Holmdel

423 County Road
Cliffwood

SF INSURANCE

292 Madison Avenue

SKY INSURANCE AGENCY INC

2950 State Rt 23 2nd Floor
Newfoundland

State Farm Insurance

3728 Rt. 9 South
Howell

Steven J. Larena, Public Insurance Adjuster

93 Ridgeway Avenue
Blairstown

Steven Kessler & Associates, LLC

15 Commerce Blvd
Succasunna

SUBURBAN REALTY & INSURANCE CO

329 Belleville Ave
Bloomfield

SUMMIT COVERAGES LTD

365 Bridge Street

Suydam Insurance Agency

1743 State Route 27
Somerset

THE CHADLER GROUP

100 Passaic Ave, Ste 120
Fairfield

The Coughlin Group

52 West 22nd Street Ground Floor

The D.B.L. Center Ltd

555 BROADHOLLOW RD

The Jackson Agency Inc

4770 Sunrise Hwy

The MacCormack Agency

55 FLANAGAN WAY
Secaucus

The MacCormack Agency

18 E MAIN ST
Denville

The Mitchell Agency

29 TRINITY ST
Newton

The Shands Agency

435 West 7th Street
Plainfield

THRIVENT FINANCIAL-LUTHERANS

218 E MAIN ST
Somerville

WEBANNUITIES.COM

8 TALMADGE DR
Monroe Township

WEBSTER ADJUSTMENT SVC

25 N BRIDGE ST
Somerville

WEINER LUDWIG INC

237 BOULEVARD
Hasbrouck Heights

WinnSom Ins Agency

3646 37th St

Winston Financial

2399 Highway 34 Bldg C2
Manasquan

Y & Y Brokerage Inc

2938 Avenue R,

Z & R Associates Inc.

2319 WESTCHESTER AVE

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