Muller Insurance

What Muller Insurance Does

• Provides insurance coverage for individuals, families, landlords and businesses.
• Offers both personal and commercial insurance policies.
• Works as an independent agency, representing more than 25 leading insurance companies rather than a single carrier.
• Focuses on personalized service, building long-term relationships and tailoring coverage to each client's needs.

Licensed States and Service Area

• Headquartered in Hoboken, New Jersey.
• Licensed in 29 states.
• Serves clients in New Jersey and many other states, including (but not limited to):
• New York
• Connecticut
• Pennsylvania
• Vermont
• Massachusetts
• Delaware
• Maryland
• Washington, D.C.
• Virginia
• North Carolina
• South Carolina
• Georgia
• Florida
• Tennessee
• Illinois
• Texas
• Colorado
• New Mexico
• Arizona
• California
• Washington
• Utah
• Michigan
• Maine
• New Hampshire
• Rhode Island
• Arkansas
• Nevada
• Oregon
• Alabama

For the most up-to-date list of licensed states, customers should contact the agency directly.

Independent Agency Advantages

Because Muller Insurance is an independent agency:

• It works for the client, not for any one insurance company.
• It can compare coverage from many insurers to help find suitable options.
• Clients are not locked into a single carrier and can consider multiple choices.

Family and Community Focus

• Founded by John Muller in 1906 in Hoboken, NJ.
• Has served tens of thousands of clients in the tri-state area over more than a century.
• Strong emphasis on community involvement and supporting local families and businesses.

Muller Insurance combines long-standing local roots with a broad, multi-state licensing footprint to serve clients both in Hoboken and across the country.

Business Owner Policies

• Coverage packages for many types of small and midsize businesses.
• Can combine property and liability coverages, depending on the policy.

Commercial Auto / Auto Business Insurance

• Insurance for vehicles used in the course of business.
• Coverage depends on the specific carrier and policy selected.

Workers Compensation Insurance

• Coverage to help employers meet workers compensation requirements in eligible states.
• Intended to address covered work-related injuries and illnesses, subject to policy terms and state rules.

Landlord and Apartment Building Insurance

Apartment Building Insurance

• Coverage for apartment buildings and similar residential rental properties.
• Focuses on protecting the building and liability exposures, according to the policy purchased.

Dwelling and Tenant-Occupied Properties

• Coverage for 1–4 family dwellings, including tenant-occupied properties.
• Aimed at landlords who rent out residential units.

Condo Association Master Policies

• Policies for condominium associations.
• Designed to insure the building structure and common elements, according to the association's governing documents and carrier options.

Other Commercial Coverages

• Policies for landlords, businesses, and various commercial risks.
• The agency notes that it offers a complete menu of commercial insurance policies and can review coverage options for different types of businesses.

How Muller Insurance Places Commercial Coverage

• Muller Insurance is an independent agency representing more than 25 leading insurance companies.
• The agency can approach multiple carriers to look for coverage and pricing combinations that fit a business's needs.

Getting a Business or Landlord Insurance Quote

Businesses, landlords and associations can:

• Call 1-201-659-2403.
• Visit the office at 930 Washington St, Hoboken, NJ 07030.
• Use the contact or quote forms on the Muller Insurance website.

Quotes and policy reviews are described as free; businesses are encouraged to contact the agency to review current coverage and discuss alternatives.

Personal Insurance Policies

Muller Insurance offers a wide range of personal insurance options. As an independent agency, it can place these coverages with more than 25 different insurance companies.

Homeowners Insurance

• Coverage for owner-occupied homes.
• Includes protection for the dwelling, many types of personal property, and liability, according to the specific policy purchased.

Condo Unit Owners Insurance

• Coverage for condominium unit owners.
• Designed to coordinate with condo association master policies.
• Helps protect the unit interior, personal belongings and liability, depending on the policy.

Renters Insurance

• Coverage for tenants who rent an apartment or home.
• Typically includes personal property coverage and liability, per the terms of the policy.

Auto Insurance

• Personal auto insurance for drivers.
• Policies can be tailored based on the carrier's options and the client's needs.

Umbrella / Excess Liability

• Additional liability protection above underlying home and auto (and certain other) policies.
• Intended to provide higher liability limits, subject to policy terms.

Flood Insurance

• Separate coverage for flood risk, placed through participating flood insurers.
• Available for homeowners, renters, landlords and some businesses, in eligible areas.

Valuable Articles and Jewelry

• Coverage for certain higher-value personal items, such as jewelry and other valuable articles, through participating carriers.

Life and Disability Insurance

• The agency also offers life insurance and disability insurance options through its partner insurance companies.

Bundling and Potential Savings

• Muller Insurance can often bundle multiple personal policies (for example, home and auto) with the same carrier.
• The website notes that combining two or more policies into bundles can save customers up to 30% in insurance costs, depending on carrier offerings and eligibility.

How to Get a Personal Insurance Quote

• Call the office at 1-201-659-2403.
• Visit the office at 930 Washington St, Hoboken, NJ 07030.
• Use the quote or contact options on the Muller Insurance website.

Quotes and policy reviews are described as free; customers are encouraged to contact the agency to discuss their specific situation and coverage needs.

Do Premiums Cost More Through Muller?

• According to the FAQ, premiums are not higher just because you work through Muller Insurance.
• In many cases, clients may save money because they are shown a wider selection of options and possible discounts.

Additional Benefits Highlighted on the Website

• Family-owned and operated, with an emphasis on personal service and long-term relationships.
• Agents help guide clients through the claim-filing process when there is an accident or other covered event.
• The agency monitors for savings opportunities and may be able to save clients up to 30% by bundling eligible policies with certain carriers.

Number of Insurance Companies Represented

The FAQ states that Muller Insurance represents more than 25 leading insurance companies, including well-known names such as:

• Liberty Mutual
• Lemonade
• Travelers
• Chubb / Ace
• Plymouth Rock
• Progressive
• Farmers of Salem
• And a range of additional regional and national carriers.

(For the full, current list of insurance companies represented, clients should refer to the website or contact the agency.)

Where Muller Insurance Operates

• Headquarters: Hoboken, New Jersey.
• Licensed in New Jersey and many other states across the U.S.
• The FAQ and other pages explain that the agency is licensed in 29 states and continues to expand its licensing.

Cost to Review Existing Policies or Prepare Quotes

• The FAQ states that policy reviews and quotes are free.
• Muller Insurance can review your existing insurance, suggest possible alternatives, and prepare quotes at no charge, even if you ultimately do not change your coverage.

How to Get Started

According to the FAQ:

• Call 201-659-2403 and explain what you are looking for, or
• Visit the Hoboken office at 930 Washington St, Hoboken, NJ 07030.

The agency is described as "always here to help" and encourages clients to reach out with questions about coverage, pricing and policy options.

Office Location

• Address: 930 Washington St, Hoboken, NJ 07030

Clients can call, email, submit a contact form on the website, or visit the Hoboken office in person.

Office Hours (Eastern Time)

• Monday: 8:00 AM – 4:30 PM
• Tuesday: 8:00 AM – 4:30 PM
• Wednesday: 8:00 AM – 4:30 PM
• Thursday: 8:00 AM – 4:30 PM
• Friday: 8:00 AM – 4:30 PM
• Saturday: Closed
• Sunday: Closed

How to Get Started or Request a Quote

• Call the office to discuss your needs and request a quote.
• Visit the Hoboken office during business hours.
• Use the quote or contact form on the website.

Quotes and policy reviews are described as free on the website.

Languages

In addition to English, the website notes that staff are available who speak Turkish, Czech, Spanish, Urdu and Croatian.

Ask anyway — the agent will say plainly that it is not published rather than guess.