We're independent, and that changes everything.

Who we are

Prime Time Insurance Agency is an independent agency based in Freehold, New Jersey, licensed in New Jersey, New York, Pennsylvania and Maryland. We aren't employees of an insurance company; we represent more than twenty of them. When you call, you reach someone who can look at your whole picture — the house, the cars, the business, the life policy — and tell you where the gaps are.

We opened our doors in 2014. An agency earns its keep on the bad days — the storm, the totaled car, the renewal that jumps for no reason you can see — and twelve years in means we have handled a lot of them.

Where we write

Our office is in Freehold and we write throughout New Jersey — shore towns, the suburbs, and everything inland. We are also licensed in New York, Pennsylvania and Maryland.

That matters more often than people expect. A shore house in one state and a primary home in another, a move across the river, a business that operates over state lines, a child at college out of state — all of these are simpler when one agency can write in all four rather than handing you off.

How we work

Three commitments shape everything we do:

• We shop, you decide. We bring you real options with the differences explained, including the trade-offs that make a cheaper policy cheaper.
• We stay reachable. You'll deal with people who know your file. No phone tree, no starting over with a stranger each time.
• We review proactively. Life changes — a move, a new driver, a renovation, a new venture. Those are the moments coverage quietly stops matching reality, and we'd rather catch them before a claim does.