Frequently Asked Questions

Often I need a certificate of insurance and don’t know I need it until late in the day. How can you help me after 5:00 pm?

Visit our contact page and send a quick email to your account manager with the following information:

  • Name & address of the certificate holder
  • Location of the job
  • Duration of the job
  • Any additional information certificate holder requests to be list on the certificate of insurance
  • where you would like us to send it to

Your account manager will have the certificate sent out within 24 hours of your request.

Why should I choose Stuber Insurance Agency?

The main reasons are that we will work for you instead of for a major insurance company, because we have a track record of speed of response and fair settlements and that we are very accessible with evening and Saturday hours that are very popular with our customers.  Also see our Why Choose Stuber Insurance Agency? page for more reasons to choose us.

If I receive a non-renewal notice from my current insurance carrier, when should I call for an auto insurance quotation?

Use our new online quoting system to get up to 6 quotes instantly from 6 different carriers we represent.  Or you can simply call or email us now.

I’m thinking of purchasing a car and I know the insurance cost can vary depending on which car I choose. Can I call you for some comparisons before I buy?

Definitely, you are welcome to call and it’s a good idea that you do so.  Alternatively, you can use our Instant Quote feature.

Do I have to work with a different agent for each type of insurance I need with you?

Our customers told us that they preferred working with one agent and that’s what you’ll do with us.  The only other contact you will work with is your Account Manager for ongoing service. 

Why does it cost more for my teenager’s drivers insurance?

40% of all accidents are caused by young people in the age group of 17 to 25 and yet, this group only makes up 15% of the total drivers.

What kind of changes do I need to call you about?

In reference to your homeowners policy, you need to let us know when your mortgage company changes, when you purchase a second home and, of course, when you sell your home and buy a new one.  Just email us the information and we will take care of the rest.


In reference to your automobile policy, you need to let us know when you have an additional member of the family that is driving, when a driver changes their use of their vehicle (longer or shorter commute, start or end business use),  when you add a pertinent feature (e.g. add an alarm to your car), change deductible (as auto ages), change your address and, of course, when your are buying or selling a car.  Again, these changes can be called in or you can email us the information and we will take care of the rest.

Once I email my online request, is it effective immediately?

Unfortunately, no.  Policy change and Claim requests are effective or processed only after we have talked with you and confirmed your request by phone or in person.  The online form is a convenience for you to make your request by email when we are not open (while the details are fresh in your mind) or if you just prefer to submit your request online anytime.  Please call our office if you have not heard from us within 24 hours of your email request (908 852-4444) as form transmittal errors are sometimes out of our control.

What are your office hours?

Monday through Friday
8:30 a.m. – 5:00 p.m.

Evenings and Saturdays
By Appointment

Outside of Regular Hours

When I sell my home and buy a new one, at what point should I contact you?

As soon as you sign the contract for sale.  If your home is difficult to insure for one reason or another, it can delay your closing.  We can transition to the new buyer immediately.  As you know we’re very competitively priced.  To do this, tell us the name and contact number of the new buyer when you call or email us.