Family-owned · Camden, NJ
Serving New Jersey families and businesses for 48 years.
Personal coverage, commercial policies, and Medicaid/SAIP – quoted by an agency who has been trusted for almost 50 years.
We partner with trusted carriers
Bristol West · Foremost · NJ Cure · Progressive · SAIP · Good2Go · NJIUA
Insurance, simplified.
As an independent insurance agency, we work with multiple carriers to match you with a policy that fits your situation. One conversation, multiple options.
Auto
Personal auto coverage through Progressive, Bristol West, NJ Cure, and Good2Go. Standard, non-standard, and SR-22 quotes available.
Home
Homeowners and dwelling coverage through Foremost and other carriers we partner with.
Commercial
Coverage for small businesses, contractors, and commercial vehicles. We’ll review your operation and bring back options.
Fire
Specialized fire and dwelling coverage for properties that may not qualify under a standard homeowners policy – including NJIUA / NJ FAIR Plan.
SAIP / Medicaid
We assist eligible New Jersey drivers with Special Automobile Insurance Policy (SAIP) enrollment.
About us
About Irizarry Insurance Agency
Irizarry Insurance Agency was founded in 1978 in Camden, New Jersey. Nearly five decades later, we’re still independent, still family-operated, and still answering the phone ourselves.
Our approach
We’re an independent agency, which means we don’t represent a single insurance company. We partner with multiple carriers – Bristol West, Foremost, NJ Cure, Progressive, Good2Go, NJIUA, and others – so we can compare options on your behalf instead of fitting you into one product.
Who we serve
- Families across South Jersey looking for personal auto and home coverage.
- Small business owners and contractors in need of commercial policies.
- Drivers who need SAIP/Medicaid coverage to stay legal on the road.
- Property owners with fire-specific coverage needs.
Our carriers
Insurance Companies We Partner With
As an independent agency we work with a panel of carriers, so we can compare coverage and pricing before recommending a policy.
Bristol West
A Farmers Insurance company that focuses on auto coverage, including non-standard and high-risk drivers. We partner with Bristol West for clients who may not fit a standard auto policy.
Foremost
A national carrier with strength in homeowners, dwelling, mobile/manufactured home, landlord, and specialty property coverage.
NJ Cure
A regional auto carrier we partner with for personal auto coverage in New Jersey.
Progressive
One of the largest national auto and commercial insurers. We are an authorized Progressive agent for personal auto, motorcycle, and commercial auto coverage.
SAIP – Special Automobile Insurance Policy
New Jersey’s SAIP program is for residents enrolled in federal Medicaid, We assist eligible New Jersey drivers with SAIP Auto-Insurance enrollment.
Good2Go
An auto insurance carrier focused on minimum-limits and non-standard coverage. We partner with Good2Go for clients seeking budget-friendly auto policies.
NJIUA – NJ FAIR Plan (Fire Insurance)
The New Jersey Insurance Underwriting Association (NJIUA) administers the state’s FAIR Plan, which provides basic fire and dwelling coverage to property owners who can’t obtain insurance in the standard market – including older homes, vacant properties, and certain higher-risk locations.
Auto coverage
Auto Insurance in New Jersey
Whether you’re insuring one car or a small fleet, we’ll quote auto coverage from multiple carriers and walk through your options.
What we can quote
- Personal auto (liability, collision, comprehensive)
- Non-standard auto for drivers with prior incidents
- SR-22 filings
- Commercial auto for business vehicles
- Motorcycle
- Trailer’s, RV’s, Mobile Home’s, and Boat’s
- SAIP (for eligible New Jersey Medicaid recipients)
Carriers we partner with for auto
Progressive · Bristol West · NJ Cure · Good2Go
Note: New Jersey requires every registered vehicle to carry minimum liability coverage. We can help you understand the state’s basic and standard policy options before you decide.
Property coverage
Home Insurance for New Jersey Homeowners
Your home is likely your largest investment. We help you compare homeowners and dwelling coverage from carriers we partner with.
What we can quote
- Homeowners (HO-3, HO-5)
- Dwelling fire / landlord (DP-1, DP-3)
- Mobile / manufactured home
- Renters
- Condo (HO-6)
What a homeowners policy generally covers
Dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Specific coverages, limits, and exclusions vary by policy and carrier.
Carriers we partner with for property
Foremost · NJIUA / NJ FAIR Plan · and others
For your business
Commercial Insurance for Small Business
Whether you run a contracting crew, a restaurant, a retail shop, or a delivery operation, we’ll review what your business needs to insure and bring back options.
Lines we can quote
- General liability
- Commercial property
- Commercial auto
- Workers’ compensation (referrals available)
- Business owners policy (BOP)
Who we work with
Independent contractors, small retailers, food service operators, landlords, and service businesses across South Jersey.
Specialty coverage
Fire Insurance Coverage
Some properties don’t qualify for a standard homeowners policy. Fire insurance – also called dwelling fire (DP-1 or DP-3) – provides coverage for the structure against fire and certain other perils.
Who this is for
- Vacant or seasonal properties
- Older homes that don’t fit standard markets
- Rental properties owned by a landlord
- Properties with a gap in prior coverage
What’s typically included
Coverage for the dwelling, other structures, and (depending on form) personal property and loss of use. Coverages and exclusions vary by policy.
NJIUA / NJ FAIR Plan
For New Jersey properties that have been declined in the standard market, we can help place coverage through the New Jersey Insurance Underwriting Association (NJIUA) – the state’s FAIR Plan. NJIUA writes basic fire and extended-coverage dwelling policies on properties that other carriers won’t insure.
SAIP enrollment
SAIP – Special Automobile Insurance Policy
New Jersey’s SAIP program offers limited auto insurance to residents enrolled in federal Medicaid, We assist eligible drivers with SAIP Auto-Insurance enrollment.
What SAIP covers
SAIP provides emergency medical benefits and a death benefit. It does not provide liability, collision, or comprehensive coverage. Drivers carrying SAIP can still be sued for damages they cause in an accident.
Who is eligible
You may qualify for SAIP if you are a New Jersey resident currently enrolled in federal Medicaid with hospitalization. Eligibility is determined by the State of New Jersey.
What we do
We walk you through the SAIP application and help you complete enrollment.
Important: SAIP is not a substitute for standard auto insurance for drivers who can qualify for it. We’re happy to compare your options.
A neighborhood agency that’s been here since 1978.
Insurance shouldn’t feel like a maze. Three things have kept families and small businesses coming back to us for nearly five decades.
Independent.
We’re not tied to one company. We compare carriers and bring back options that match your situation.
Local.
Our office is on River Road in Camden. When you call, you get a person – not a chatbot.
Multilingual.
Hablamos español. We work with families across South Jersey in the language they prefer.
Contact us
Get in touch.
Visit, call, or send us a quote request. We’ll get back to you during office hours.
Office
3218 River Road
Camden, NJ
Phone
Hours
Monday – Friday
9:00 AM – 2:30 PM
Hablamos español
Find us
Ready for a quote?
Tell us what you need to insure. An agent will follow up with options.
Or visit us at 3218 River Road, Camden NJ · Mon–Fri, 9am-2:30pm
Irizarry Insurance Agency 