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From Workers Comp to Errors & Omissions. We understand the unique risks of running a business in NJ & PA.

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What Our Clients Say

Don't just take our word for it. See what your neighbors are saying.

Beverly Stott

2 months ago

DCruz Agency was recommended to me by a friend who used branch in East Brunswick. We called their Hightstown Branch on the phone and asked if we could come down to talk about new policies. They said come right down and we were lucky enough to meet Ray. Ray reviewed our policies and came up with options- he recommended that we go home and review the information. We did and we could not believe the savings that we get by going with one of the companies recommended. Everything was seamless. Ray was very responsive to our questions via a phone call or email. We highly recommend DCruz agency.

Ronald Stott

3 months ago

I was recommended by a friend to meet with Dcruz Agency if I was looking to shop around for insurance. I had Home, Auto and an Umbrella policy with the same company for 33 years but recently moved so I initially used my existing carrier. When I got a $500 increase in auto I decided that it was time to test the market. We met with Raymer in the Hightstown office and he was friendly, professional and very knowledgeable about the insurance market. Within a few minutes he was able to compare our current policies against several others and we saved nearly $2,000 switching to a well known, publicly traded company. This was well above my expectations and I highly recommend Raymer and Dcruz Agency if you are looking for home and auto insurance.

Michael Waters

3 months ago

Ray was so very helpful in obtaining auto and homeowners insurance for me and my family. He put a lot of effort into finding the best insurance companies to fit our different situations. He had been available, and especially patient with me, every time that I needed questions answered. I appreciated that he put no pressure on me, while allowing me plenty of time to think about the several options that he provided. Ray's advice was all in my interest, and I definitely recommend him and Dcruz Agency.

Senthilkumar Arumugam

3 months ago

One of my friends recommended Dcruz Agency to me. Before reaching out to them, I had tried multiple agencies but didn’t receive any response. When I called Dcruz, Enrique picked up right away and carefully noted all my requests for both Auto and Condo insurance.
Within just 45 minutes, he got back to me with multiple quotes and clearly highlighted the best option. I compared the quote online, and it truly was the most competitive one I found.
Enrique was friendly, professional, and extremely helpful throughout the process. I definitely recommend Dcruz Agency. One stop solution for best insurance quote.

James Phillips

4 months ago

The Dcruz agency helped me find the best policy for my new car by checking prices from several companies. The savings, without lowering my coverage, of over $700 per year. This is auto insurance for a 2025 Nissan Murano.

Steve Torres

4 months ago

Before anything I like to talk about the service I received from Mr. Allan Moncata, this young man displayed real customer service at its best. When shopping for home insurance, it can be pretty challenging. Allan may me feel very relaxed and I just knew, after realizing the knowledge, Patience, and the calmness this young man displayed I felt at ease. Thanks to Dcruz Agency that provided a good policy and an affordable price I was able to cancel an insurance co. That took me for Thousands of dollars in a several years and when I needed help, a technically help them say NO to a repair. But I'm grateful or I wouldn't have met Mr. Moncata. I hope Dcruz Agency considers Mr. Allan Moncata an assets. I can go on, Being a homeowner for 24 years, I strongly don't have any hesitation recommending Dcruz Agency for your home insurance need. Again Thank You and a big Thank You to Mr. Allan Moncata ✍️🙏🏽 from the heart.👍🏽👍🏽 Steven & Margarita

Jennifer Lowe

4 months ago

Enrique was very knowledgeable about different policies. Got back to me with a quote in a timely manner. Was professional and friendly. Took care of all my needs.

Sandy VP

7 months ago

Ray was amazing. Very knowledgeable very kind . He was recommended and I’m so happy I called . He saved me so much money . What I was paying for a 6 month car insurance policy he got me a year car policy . I have already recommended him to people in my church and family members. He is the best . I don’t normally do reviews but if you want to save money use Ray. Thank you so much Ray.

Kunal Lagwankar

7 months ago

Raymer helped me out find the best policy when my policy accidentally lapsed. He took a lot of effort to find out the best deal for me on his own. Thanks Raymer.

Kalpesh Kothari

7 months ago

Ray helped me get new combined auto and home policy. He was very very helpful and made sure that not only do I get the best coverage for me and my family but also at the cheapest price possible. He is very thorough and patient. I will highly recommend Ray for any insurance needs.

peter kahan

7 months ago

Sindy was extremely. She found a policy much cheaper than what I was about to pay. Answered all my questions helped me with the website and the app. Thank you very much again.

Damon Dai

8 months ago

Estuardo De Leon and Erick Encarnacion did an excellent job helping me find auto insurance at the best price I’ve ever seen. They provided a detailed comparison report with several carriers and discount options. Throughout the entire process, they were responsive, patient, and clear in explaining every detail I asked about. I would definitely recommend them to my friends

Nicole S

9 months ago

Very knowledgeable, worked very quickly, extremely friendly and made this process so easy. I talked to almost a dozen other companies & this was the most affordable. Kate has answered all my questions & communication has been so easy. Highly recommend

Sintiya Danilenko

9 months ago

Enrique was incredibly helpful in finding the right insurance policy for me. He took the time to explain my options, answer all my questions, and made sure I understood exactly what I was getting. The process was fast, smooth, and stress-free and I felt taken care of every step of the way. Super friendly, professional and easy to work with! I’ll definitely be recommending Enrique to friends and family! Thank you

Steve Jaramillo

10 months ago

Great rates for insurance, but terrible customer service. We sent over a request for insurance almost three weeks before our current insurance lapsed. We are now 5 days past when our general liability insurance lapsed, and we're still spinning. We need our general liability insurance Esvin!!!

Joseph Oricchio

10 months ago

Esvin was beyond exceptional. Guided me through every step and was very transparent about all the costs associated with the insurance. Didn’t feel like he was just selling me insurance.

Antonio Herrera

10 months ago

Gentleman by the name of Ray was very helpful, made everything clear and straightforward. As a first timer getting car insurance on my own, I was a little lost and confused but Ray got me a great price and took the time to explain whatever I needed explaining. Thank you Ray!

Alia Novio

11 months ago

Ray was amazing to work with for my auto insurance! He’s clearly passionate about what he does, and it shows. The whole process was super quick—same-day service with zero stress. I felt really taken care of from start to finish. Highly recommend Ray if you want someone who genuinely cares and gets things done fast!

Kia Jones

12 months ago

Whatever your insurance needs are... They've got it. Very polite and pleasant. The atmosphere is comfortable. Trust they know what they are doing 👌🏾🤗

Angel Tavarez

12 months ago

I don’t know how these people have 5 stars when their service is terrible. You can never reach someone always a run around. Then they assign you someone to handle your policy, but guess what if that person is unavailable you cannot talk to no one else PERIOD… like its a joke, the staff is rude and unreliable. And don’t let them tell you they will call you back. 5 Days later im still waiting. Never again will i deal with incompetence

Gomez Family

1 year ago

Polette has been fantastic to work with! She truly knows her field and was always available to answer questions with patience and clarity. Her communication is clear, and she breaks things down in a way that’s easy to understand. Her professionalism, reliability, and a genuine commitment to helping me obtain the best insurance rate was amazing. I am truly grateful for her and highly recommend her to anyone looking for dependable and knowledgeable guidance on insurances.

Jerseygirl

1 year ago

Raymer was very helpful and understanding to my current situation. He found the best quote for me. Thank you Raymer for your help.

Trayvon Burton

1 year ago

Ray was very informative and was polite very persistent on get me the right insurance for a great price.

Amy Mazariegos

1 year ago

Just want to say how much I appreciate the after hours availability!! So convenient for a business owner like myself. Also, inquire with Polette shes great!!!

HENRY VALENCIA

1 year ago

The attention and good service were very pleasant.

Des Soto

1 year ago

After looking for quotes & getting such high rates I tried this agency & received excellent/quick help from Sindy all in one day! Thank you

sendy soto

1 year ago

My experience was very gratifying, since I had no idea what I needed and Raimer was very attentive and explained each step and everything in the way that best suited me, always being very kind and professional.

Hilmar Tax

1 year ago

I am happy with the treatment they gave me in a policy change with my insurance, everything was very fast and simple and at a reasonable price. Miss Polette Delgado was very kind to me and guided me step by step in the process of my renewal. 5 stars to her too! I was pleased with my new policy and I definitely recommend Dcruz Agency!

José Luis Arias

1 year ago

Very good excellent service, the girl who helped us was a very good person, I recommend her.

Emily Ochoa

1 year ago

Very good service, very friendly, it is recommended

Fabiola Diaz

1 year ago

Super recommended 100%
They are very nice, very ethical and professional, excellent service from Polet, great service when it comes to helping the customer.

Victor Rodriguez

1 year ago

Excellent complete and clear service

Christian Pintado

1 year ago

Very good experience having been trained by an agent in the most current of the year
Much obliged. Polette Delgado

Olguita Delgado

1 year ago

I recently received my insurance policy and am very pleased with the process. Polette was highly knowledgeable and answered all my questions. I would recommend.

wilmer aguilar

1 year ago

Excellent and helpful, very good help

112stace

1 year ago

Polette Delgado was very helpful she did an excellent job with my getting me my policy

Beverly Zheng

1 year ago

Jacob Velez is very patient, spent all morning to find the best rate for my rental property. I am going to buy another landlord policy from him.

Julio Aguirre

1 year ago

Excellent service 10/10 slim polette

Matias Martinez delgado

1 year ago

Excellent service, especially Polette, who was extremely patient in finding the insurance that suited us. I recommend them

Jose Guerrero

1 year ago

Mr. Enrique Ruiz of DCruz Agency in Hightstown, NJ, was very responsive to my insurance needs. He didn't just bundle my auto and home insurance by approaching his wide market resources but he also recommended adding umbrella coverage. And he did so in such a short time. Thank you, Enrique.

I highly recommend Mr. Enrique Ruiz for your insurance needs.

anthony simone

1 year ago

Extremely helpful, awesome service, highly recommend

wilfran liendo

1 year ago

Excellent attention, thank you very much

Ken Colavito

1 year ago

I just had a great experience working with Esvin! He provided me with new auto and home policies with great detail on coverages and recommendations. I saved money as well. Policygenius is out, and Esvin is in!

Lorenzo Garcia Ledesma

1 year ago

Good attention, God bless you greatly, you are very accommodating.

Agrosemillasra LLC

1 year ago

Josseline is the best

Benedicto Ramirez

1 year ago

if you reading this comment is because you found the right team.
exelent service, they understand what you need, 5 start for this team.
Esmeralda helped me to save money on my business and car insurance, she's great! and a big pluss they speak spanish too so is easy for spanish community..( alli hablan espan̈ol primo, llamale), Esmeralda Gracias..

Romany Youssef

1 year ago

Worked with Sindy the past couple of days to get my home insured and it was a great professional experience overall.

Wesley Herrera

1 year ago

Excellent attention

Maria Mendez

1 year ago

Enrique was easy to work with, listened attentively to my questions and concerns. Had patience to find me a policy coverage for my needs. He found me a much better price than the insurance I had. Definitely will recommend Enrique to my family and friends.

Angel Quintana

1 year ago

Enrique was very easy to work with. He took time to understand my needs and found a policy with the coverges i wanted at a much better price than i expected. Highly recommend working with Enrique!!

Brayan Valle

1 year ago

It was a pleasure, they explained everything to me very well, thank you very much.

Donnovan Maldonado

1 year ago

Enrique was great in finding me a satisfying policy. He’s easy to work with and can find you good prices.

Jessica Romero Pinta

1 year ago

A good experience, they helped me a lot, especially agent Ray for his patience and helping me make the best decision, super recommended.

Mark King

1 year ago

Where do I start? This was one of my first time getting auto insurance in New Jersey and didn’t realize it would be such a Headache. Let me tell you Polette Delgado went the extra mile Ensuring that I received a rate that was perfect for my budget. I highly recommend I would contact her for any further insurance adjustments or policies in future

lady laura “lauralady” lluncor more

1 year ago

I thank you very much for the very good attention, Mr. Raymer.

M “Suckie”

1 year ago

Excellent and fast service. I highly recommend Dcruz agency. Sindy got me a great rate for my home insurance.

Sarah Eakins

1 year ago

Ray was very helpful and informative! I greatly appreciated his assistance and he was able to answer my concerns and questions efficiently.

Diana Menjivar

1 year ago

Raymer was very helpful to my personal case of finding car insurance. I had 2 days to get new insurance before being charged an arm and a leg by me previous carrier. He took his time being thorough but was also very time efficient and didn’t take too much of my time as i was at work during the call. He helped me find very affordable coverage and helped me understand every answer to my questions. I referred him to my dad who was also pleased. 100% recommended

Dinesh Villuri

1 year ago

I had the pleasure of working with Raymer from the Dcruz Agency for our insurance needs, including auto, home, and umbrella coverage, and I couldn’t be more impressed with his service. From the very beginning, Raymer was professional, thorough, and genuinely interested in making sure we had the right coverage for our needs at the best possible rates. He took the time to explain all our options, answered all our questions, and made the entire process seamless and stress-free.

Raymer's expertise and attention to detail gave us confidence that we were making the right choices, and I truly appreciate how he went above and beyond to find the best policies for us. Highly recommend Raymer and the Dcruz Agency for anyone looking for reliable, personalized insurance assistance.

Thank you, Raymer, for your outstanding service!

Mar Ghost

2 years ago

Greatness experience !! Hands down !!!Raymer your the man !!! Thank you !!

Robert Soto

2 years ago

Ray assisted me in a time of need and in timely manner. He was very professional and was able to provide me with best pricing and customer service out there. If you want the best insurance agent, I would highly recommend Ray and Dcruz. I use Dcruz for my business insurance and now auto insurance. Thank you Ray, you surpassed 5stars.

Julian Bryant

2 years ago

Ray is quick, thorough, and efficient, in sourcing quality auto insurance. I called Dcruz in desperation after my coverage had lapsed and he swiftly picked out a policy that would best suit me.
-Thanks!

Rui Teixeira

2 years ago

Good communication with agents

Maria Jose Leon

2 years ago

Excellent service! Esvin Monrroy give me a fast response and support!

Doris Picado

2 years ago

Very friendly, serves very well

jose villacrez

2 years ago

They give good service.

Julian andres Sanchez morera

2 years ago

Very good service and explanation of my insurance, thank you

armando portilla

2 years ago

Fast and efficient service

Ataali Shaikh

2 years ago

Hello sindy! Thanks so much for your help. Your expertise and excellent customer centric attitude helped me get through all the local insurance requirements for new insurance purchaser ( with international driving license holder). Thanks again! I will recommend this agency and Sindy within my network. Wishing you all the success and happiness . God bless!

Nilda Rosario

2 years ago

Sindy and every one in Dcruz give the extra mail for me. Thank you

Joe

2 years ago

Very informative and helpful, made things easy. Thanks for all your help

Jose Arroyo

2 years ago

Working with this agency has been a pleasure. They are very good at getting back to you with solutions .my agent esvin is great to work with. Thank you for all you do to make our business run smooth

Cornelio hernandez

2 years ago

Very good service thank you ???? ???? thank you

Morena Bau

2 years ago

Recommended

Stefania Ramon

2 years ago

Good service they help you with what you need

manal mena

2 years ago

This company provide excellent service. Ray is easy to work with . He is very professional and thorough. He provided me with the best quote. I would recommend this company anytime for everyone who needs insurance. Truly, they provide exceptional services.

Fernanda Franco

2 years ago

Sindy is my agent she’s excellent—friendly, efficient, and clear in communication. They met all my needs with great service. Highly recommend!

Manish Ghosh

2 years ago

Simply fantastic client experience! I saved almost 40% on my auto insurance plus could clarify a lot of things on auto insurance, which I had doubt on and even misunderstood them. Esvin (the insurance agent) has been absolutely fantastic, in explaining (sometimes multiple times ) concepts such as liability vs comprehensive vs collision, how various charges like rental car pile up in a multi car situation etc. I should have called them a couple of years back, when Geico jacked up my insurance like crazy and I thought , that’s the only way. Loved the whole experience and the fact that I am saving a big chunk of money for the same coverage.

W Stemmler

2 years ago

I needed help with new auto insurance. Dcruz staff were very helpful, courteous, and prompt. Dealing with them was a pleasant experience.

Michael Arato

2 years ago

Unbelievable Service I’m lucky I found them

Deb Rommelman

2 years ago

Raymer Nivar was VERY helpful and friendly. He helped me obtain my homeowners insurance with great speed and a quality policy and I really appreciate it. He is definitely the man you want to talk to to get a GREAT policy at a LOW PRICE ???????????? Thank you Raymer

Alejandra Ramirez

2 years ago

I found him very kind and very clear at the time of explaining the policies.

playen4keeps

2 years ago

Absolutely THE BEST ..my Moms Home Insurance lapsed couldn’t find anyone to work with and if I did they were trying to charge my Mom double .. Found my man Ray Nivar and he was able to get me insurance for my Mom in 20 minutes at a good price …. I highly recommend these guys … MH

Michel Polanco Nestor

2 years ago

I recommend it, very good attention and explanation

Fernando Nicolás

2 years ago

Excellent service by the agent Raymer. I came here looking for a good insurance at a great price and that’s what I just got. Very good job Raymer for being honest and walk me through my perks and coverage!

Leonardo Sanchez

2 years ago

Friendly and professional

Jamileh Coto

2 years ago

Super Fast and effective ! Very great customer service from Ray ! 🙂

Gabino Rivera

2 years ago

Rey helped me excellently

PATRICIA RAMIREZ

2 years ago

My agent Cindy De Leon is very professional, I highly recommend her because it was a pleasure to work with her in the process of acquiring the insurance that best suited my needs. He was very patient to explain to me in detail and kindly the conditions of the policies and clarify any doubts or queries I had. Of course I will continue to request your services whenever I need it.

Blanca Garces

2 years ago

Hello, very good attention from the staff, thank you for your attention.

Mahesh Raskar

2 years ago

It amazing service by ray .
Thanks ???? a lot

La wuerita Guzman

2 years ago

Miss Angelica was very kind and attentive at all times. I recommend her 100%. Thank you very much Angelica for your kindness. Blessings.

Alexander Ibarra

2 years ago

They are very attentive and professional

Ishan Shah

2 years ago

Ray is simply phenomenal!!! He helped us out in the best way possible. It was a smooth experience working with Ray and I would highly recommend him to everyone looking for insurance. Very professional and immensely knowledgeable .

Rahshawn Byrd

2 years ago

Cindy is my agent she was very polite layedback and knowledgeable of my insurance needs she got me the quote I was looking for it was an effortless experience for me I have a new policy thanks to Cindy. I strongly recommend Dcruz Agency!! That's Cindy De Leon..

Lidia Monrroy

2 years ago

100% recommended, they are professional and friendly, they helped me with everything and answered my questions.
Esvin Monroe the best. Thank you Dcruz Agency

Carlos Garcia

2 years ago

Excellent attention!

Carlos Steven YC

2 years ago

Excellent attention

Manav Sharma

2 years ago

Esvin is great to work with, stay on top of everything going on. Saved me hundreds of dollars in insurance premium. Keeps you updated from start till end! Highly recommend.

luis pelaez

4 years ago

Wanted to take a minute and say thanks to my agent Raymer Nivar. He helped me find an insurance policy swiftly and without any hiccups. He completely understood what i needed from the beginning and got right on it getting me the best policy possible. I and very happy i used his service and will definitely be using him again! I've had multiple agents over the years and non even come close to the great service, patience, and pricing i was giving with him. Highly recommend !!!

Erica Mexquititla

4 years ago

Dcruz Agency are very helpful and also accommodate your needs. Domingo and Vilma are such great people and are always so nice and respectful. I would definitely recommend them f

J.C. Castrillon

4 years ago

DCruz Agency has been my broker for my Car Insurance for some years now and as of recently, my broker for my Homeowner's Insurance. Great service from start to finish! They are fully commited to finding the best deal possible in a timely manner. Couldn't be happier with their service!

Prithvi Khade

4 years ago

It was a great experience with D'Cruz agency. Ray handled the policy quotes with patience and diligence. He explained all the details very well and was really quick in the times of our need to execute and start the policy in no time. Will highly recommend!

Harold T.

4 years ago

Working with Dcruz agency has been nothing but an excellent experience. Personally, the level of professionalism is simply exceptional. Dealing with a big name company is often a hassle specially when you have to deal with multiple assets because you end up getting transferred from one department to another all day. However, having your own personalized agent really makes things so much smoother. I got a homeowners quote at a way better rate than what I could find elsewhere and they ensured that I had the proper coverage to go with it. Customer first is really their priority from my experience, they really go into detail to explain coverages to you, not just that, but they do not throw all these little extra coverages that big insurance companies seem to want you to get these days for no reason other than to get more money out of you. I also recently insured my vehicle, spoke to my SAME agent and after a quick consultation about my car and what I seek to get, Domingo quickly got a quote based on my input. He also provided advice when I asked for his professional opinion and he did so with honesty without trying or pushing to "sell" me another service. They also compare between other companies for you, think of them as an "All-in-one" package. All in all outstanding experience, I would definitely recommend.

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What Our Clients Say

Why Choose Dcruz Agency?

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