Landlord Insurance in Irvington.
A township rent ceiling, a certificate before anyone moves in, and older multifamily under all of it — Irvington rentals get quoted on the building.
Chapter 510, adopted 5-22-2023, prohibits short-term rentals in Irvington, so the lease term on your application matters here. NJ Landlord Center, a Friedlander Associates agency based in Flemington, New Jersey and licensed in all 21 counties, quotes landlord property insurance for Irvington rental owners.
- Population
- 60,867 (2020–2024 ACS five-year estimates).
- Rental units
- 16,570 renter-occupied, 70.4% of occupied units (2020–2024 ACS five-year).
- Built 1939 or earlier
- 6,149 units, 24.4% of all units (2020–2024 ACS five-year).
- Rent regulation
- Rent Leveling Board; applies to buildings of 3 or more units (NJ DCA 2026 Rent Control Survey).
- Turnover inspection
- Certificate of habitability before a unit is rented — Chapter 355 § 355-15B, $98 per unit (amended 9-8-2025).
- Flood
- NFIP participating community, CID 340184# (FEMA Community Status Book, 09/15/2026).
- What we write here
- Dwelling fire, general liability, loss of rents, umbrella, ordinance or law, flood.
- Phone
- 908-824-0948
Short-term rentals in Irvington
Chapter 510, Short-Term Rentals, adopted 5-22-2023 by Ord. No. MC 3824, defines a short-term rental as letting a dwelling unit, or any part of one, "for 30 consecutive days or less," and § 510-2 prohibits it, while § 510-2C leaves "a rental period of more than 30 days" untouched. ACS 2020–2024 five-year estimates put Irvington's units for seasonal, recreational or occasional use at zero, out of a stock of 25,155, so a short-term let here starts as a year-round unit.
Rent regulation and registration in Irvington
The NJ DCA 2026 Rent Control Survey records rent control for Irvington Township, names the Rent Leveling Board as its rent control office, and gives the limit for buildings of three or more units as "4% if landlord supplies heat 3% if tenant pays heat. Seniors 2% max."
Chapter 472, Rent Control, § 472-1A, amended 3-9-2026 by Ord. No. MC 3934, sets the same limits, and § 472-9I has owners register base monthly rents by unit each year by the first Friday in March — the schedule loss of rents replaces.
Turnover inspection in Irvington
Chapter 355, Housing Standards, § 355-15B makes it "unlawful… to rent, lease or otherwise deliver up for occupancy any dwelling unit until a temporary or permanent certificate of habitability has been obtained." The fee is $98 per dwelling unit and $47 per re-inspection, as amended 9-8-2025 by Ord. No. MC 3916; on a sale, § 355-15A sets $237 per dwelling unit up to three units per building and $116 beyond, a bill that scales with a 5-plus-unit building.
Flood risk in Irvington
The FEMA Community Status Book dated 09/15/2026 lists Irvington as a participating NFIP community, CID 340184#. The Flood Insurance Study for Essex County, New Jersey (All Jurisdictions), revised April 3, 2020, names the Elizabeth River and inadequate internal drainage as the two major sources of flooding here. The Essex County 2025 Hazard Mitigation Plan Update, Volume II, counts 17 repetitive loss properties as of 1/9/2025. Flood is bought separately.
Landlord insurance coverage for Irvington rentals
Older stock reaches ordinance or law, the rent ceiling sizes loss of rents, and flood sits outside both.
Older urban multifamily carries carrier-appetite considerations. We place an Irvington building on construction, condition and loss history, not on the township it stands in.
Own rental property elsewhere in the county? See landlord insurance in Essex County.
Irvington landlord insurance questions: coverage and quotes
My Irvington building was non-renewed. Can you help?
Often, yes. A non-renewal on older urban multifamily is usually an appetite decision rather than a verdict on the building. We re-market it and present it the way an underwriter reads it: construction, roof and systems, occupancy, unit count, and the loss history line by line, with any repairs documented before the file goes out.
Does a Section 8 or voucher tenancy change my Irvington landlord policy?
Not on the form. A voucher tenancy is a residential lease, and dwelling fire, liability and loss of rents all respond in the same way. Occupancy is still governed locally: Chapter 355 § 355-15B bars renting any dwelling unit until a certificate of habitability has been obtained. We place voucher-occupied buildings with carriers that want them.
Irvington has rent control. Does that change how my building is insured?
It changes the number, not the form. Irvington's ceiling is set by ordinance — § 472-1A, amended 3-9-2026 by Ord. No. MC 3934 — and § 472-9I has owners register base monthly rents by unit each year by the first Friday in March. Loss of rents replaces the rent that schedule allows, not a market rent.
Is a short-term rental in Irvington covered by an ordinary landlord policy?
Not automatically; the code answers first here. Chapter 510, adopted 5-22-2023, defines a short-term rental as letting a dwelling unit "for 30 consecutive days or less" and § 510-2 prohibits it, while § 510-2C leaves "a rental period of more than 30 days" untouched. A landlord form is written to a lease term, so a shorter occupancy has to be disclosed.
Landlord insurance in other NJ cities
Also quoting Honeycomb Insurance for NJ rental houses, 2–4 unit homes and apartment buildings. See the Honeycomb programs →
How to get a landlord insurance quote in Irvington. We'll write it.
One intake covers the whole stack, routed to the carrier with the right appetite for Irvington property. Most quotes back within 24–48 hours.
About the agency
NJ Landlord Center is a Friedlander Associates agency based in Flemington, New Jersey, licensed in New Jersey and serving all 21 counties. NJ Insurance Producer License 9725274 · NPN 5735331 · 908-824-0948.
We write landlord insurance in Irvington from our Flemington office and quote the whole state.
Local references: NJ DCA Landlord-Tenant Information · FEMA Flood Map Service Center