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Since 1963

For over 50 years, we have provided access to multiple insurance policies, our expert knowledge, and exceptional customer service.

Father & Son
nj insurance quotes

Why Choose RICH SUM Insurance Agents in NJ?

  1. Free Insurance Quotes & Evaluation

  2. Talk to insurance professionals, not salesmen

  3.  Customized insurance solutions

  4.  Multi-Policy Discounts

  5.  Safe Driver Discounts

  6. New Car Replacement Coverage

  7. Full Glass Coverage

  8. Workers' Comp. Dividends

  9. Workers' Comp Pay-As-You-Go Coverage

  10. Affordable Policies

  11. Deep Discounts for Bundling Home & Auto policies


"I have been using RICH SUM Insurance Experts for my Business Insurance for years and have always received EXCELLENT Customer Services and GREAT rates. Extremely responsive when you do have a claim or need assistance. This past year I had the pleasure of working with them to move my personal Home & Auto over and they saved me a TON of money and with better coverage. Could not be happier!!!"

- Kritin P.

"Working with RICH SUM's team was an absolute pleasure. They shopped our homeowners policy and increases our coverage and cut the premium almost in half. It took little effort on our part so you’ve got nothing to lose to let them give you a quote. Highly recommend RICH SUM Insurance Experts!"

- Robert T.

"Excellent experience! They were able to save me over $200 a year on my condo insurance with a better policy! I was able to switch easily with just a few calls and emails. I highly recommend working with RICH SUM Insurance Experts if you are looking to save money and ensure that you have the right coverage!!!"

- Michell H.

5 Benefits of Working with an Independent Insurance Agent

  1. Many Options in One Place. Since independent agents represent an array of insurance companies with many different types of coverage options, you will have a choice of many price points. Save time on filling out many different online forms for quote comparisons; with an independent agent you will receive quotes from many insurance providers. They can also bundle several different types of insurances if you need. Oftentimes, an independent insurance agent can find a better value for your dollar. They do the research, you get the savings.

  2. They are Insurance Experts. Independents are well versed experts in the complexities of insurance; they can explain everything to you in simple terms so you can make the best decision. They can ensure you receive adequate coverage at an affordable rate.

  3. They will go to Bat for You. If ever you were to have a billing or claim concern or need a change in coverage, your neighborhood insurance agent is there for you to answer questions and work with the insurance company on your behalf.

  4. Shopping local benefits your community. Independent insurance agents often get involved with the community by sponsoring youth sports teams, supporting other local businesses, attending Chamber of Commerce meetings, etc.

  5. Life Changes, so do Your Insurance Needs. Independent insurance agents can commit to review your coverage on a regular basis. As your life's situations change, your insurance coverage may need to, also. If you are thinking of buying a home, starting a business, get married, have children, adding a driver to your policy, etc., these situations all come with different types of insurance to help you along the way. Independent agents are there to help!

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You’ll feel comfortable and confident in the affordable and comprehensive insurance policies available for your home or business.

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