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Auto Home Business

Spend more time with your loved ones

Leave shopping for insurance to us

How We Work

Why us? We're local and independent!

Expert knowledge of local insurance companies in NJ/PA and what they offer.

Auto Home Business

Spend more time with your loved ones

Leave shopping for insurance to us

How We Work

Why us? We're veteran owned!

Work ethics, attention to details, high standards and getting it done.

Refer a friend
Auto Home Business

Spend more time with your loved ones

Leave shopping for insurance to us

How We Work

Why us? 20+ insurance companies right here!

You have more options with us.

Insurance brands we offer

Auto - Home - Life - Small Business

Some of the insurance provider brands we offer

We are experts of Auto Insurance, Home Insurance, Life Insurance and Small Business Insurance providers in NJ/PA.

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Call 732 527 3386

Auto insurance

Car, motorcycle, RV or boat?
Why settle with premium increase? You have more options than you thought!

Servicing NJ and PA, at Essential Insurance Services, we work with over 20 of the foremost insurance providers in the industry -- offering you more options and better services to keep you focused on the road.

- Auto Insurance
- Motorcycle Insurance
- RV Insurance
- ATV Insurance

You have a destination to go.
The right coverage keeps you focused.
More options, better services. Let us guide you!

Why choose an Independent Agent like us?

Insurance brands we offer

Get free consultation & quotes

Call 732 527 3386

Home insurance

Homeowners, renter or landlord?
Why settle with premium increase? You have more options than you thought!

Servicing NJ PA, at Essential Insurance Services, we work with over 20 of the foremost insurance providers in the industry. This allows us to provide you more options and better services to help protect your most valuable assets.

- Homeowners Insurance
- Condo Insurance
- Renters Insurance
- Rental Property Insurance
- Secondary Residence Insurance
- Personal Liability Protection (Umbrella Insurance)
- Flood Insurance

Growing a family, building home equity.
The right coverage helps you protect your most valuable asset.
More options, better services. Let us guide you!

Why choose an Independent Agent like us?

Insurance brands we offer

Get free consultation & quotes

Call 732 527 3386

Life insurance

Many people are paying way too much, or under insured.

Providing for your loved ones is a big responsibility as you want to ensure comfort for their future. What if, one day, life forces you to leave them behind unexpectedly...
Will they be able to continue living the future you worked so hard for? Or will they face the fear of managing debt, mortgages or loans on their own?
If the answer is “I don’t know”, there is an option for you.

The right type of life insurance can provide the essentials for your loved ones to minimize financial hardships. It gives you peace of mind, knowing your loved ones can continue living their dreams.
We know it is a complicated topic, let us help you make the right decisions for you and your family.

Why choose an Independent Agent like us?

Insurance brands we offer

Get free consultation & quotes

Call 732 527 3386

Small business insurance

Be fearless in the pursuit of your dream. Protect your hardwork!

Running a small business can be overwhelming, but also extremely empowering and rewarding.
As a local business ourselves, we know your business is not just a business. It is a reflection to your courage, and fearlessness in the pursuit of what sets your soul on fire.

We will help you get the most essential coverage to minimize unexpected disruptions to your business. Have the peace of mind that keeps you focused on what you do the best - taking care of your customers, and growing your business.

From digital assets to equipment breakdown, we will guide you on the coverage you need from startup to expansion.
Minimize unexpected disruptions that slows you down.

Why choose an Independent Agent like us?

Insurance brands we offer

Get free consultation & quotes
  • Auto insurance
  • Home insurance
  • Life insurance
  • Small business insurance

Our mission

Empower homeowners & working parents with real choices to accomplish their goals and dreams.

Insurance brands we offer

3 languages - English, Hindi & Chinese Hakka
>20 insurance providers we offer as your options
15+ years of experience
5 Star customer reviews on Google and Facebook

5 Star Reviews

What our customers say about us

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"If you miss the days of white glove treatment by a service provider. If you miss being able to pick up the phone to talk to a person without being prompted to press a number or be put in a ‘please hold,’ queue. If you believe people should work hard to fulfill their dreams to provide a better life for their own families. If you are tired of watching commercials from Insurance companies selling you on their benefits at a significant cost to you, make the “Essential” switch."


John Mallamaci
John Mallamaci
2022-04-04
I have known Kris for close to two decades when he worked for 2 other insurance companies. He has always been helpful and very informative explaining all the nuances of Auto & home policies!! Kris works hard to get the best price/coverage for you and is very honest. I am glad to do business with him!!!!
Ruichao Liu
Ruichao Liu
2022-03-04
It was great experience working with Essential Insurance Services on my home & auto insurance. Kris was so professional and patient explaining all the details of my cases and taking care of all of it.
Jerry Waldron
Jerry Waldron
2021-11-01
Essential Insurance Services has been nothing less than terrific for my family! Their response and attention to detail comforts me knowing they are ready to respond when I need them.
Linda Ingram
Linda Ingram
2021-08-31
Tammy is the best & also the most knowledgeable Insurance Agent ! I highly recommend her for all your insurance needs. She is friendly & also patient with all questions. Tammy got my family an excellent Homeowners Policy with the best price & coverage. She has years of experience. Call Tammy for an amazing deal !
Patrick Shea
Patrick Shea
2021-08-31
Our insurance provider Brenn was very professional and listened to all my concerns. He found us a great deal on insurance, as well. Highly recommend them if you are looking to shop around for a better price on a comparable insurance policy.
Matthew Maines
Matthew Maines
2021-07-28
We worked with Brenn and Kris. They were informative and professional. Brenn handled every question we had in a timely manner and got us the best rate for the best coverage. We would refer them to anyone that is looking for insurance.


Rhonda Gipson
Rhonda Gipson
2021-11-01
The services I received was excellent and would recommend Brenn to all my friends. Brenn took care of all the paperwork and negotiations with the Insurance companies and made me my life less stressful. Thank you for all your help.
Salman Ebrahim
Salman Ebrahim
2021-08-31
This was my second time dealing with Kris and his team; they are courteous and humble with the customers. Their insurance quotes are good and can’t be ignored. I recommend availing their services.
Eliana Gonçalves
Eliana Gonçalves
2021-07-17
Kris and his team are dedicated to provide you the best value and best coverage for your life circumstances. He works with you to best understand what you need and then provides several options and his most exhaustive recommendation of what works best for your case. Completely satisfied by his services, thoroughness and quick delivery.
Tiger Liang
Tiger Liang
2021-07-15
Kris is very professional. He listens to you very carefully and gives you professional advice. Of course, he gets you a very good rate. Thanks to Kris, I got a very good rate of insurance for my new house & auto!
Johnny Mindell
Johnny Mindell
2021-07-13
Beautfulwebsiteand havea blessd day 😎🙏😇😇😇👍🙏👍😇👍😇🙏😇👍🙏👍🙏👍👍👍❤️🙏😇👍👍😇👍👍👍🙏🙏🙏🙏🙏🙏🙏🙏😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😎😇😇😇😇😇😇😇😇😇😇😇😇😇😇😇😇😇😇😇😇😇
Dwayne Woodbury
Dwayne Woodbury
2021-04-09
Brenn is an excellent advisor. He provided me with quotes that clearly outweighed what I had and it even inculded more coverage at a better rate. He is a great asset for Essential Insurance Services.
Lin Pan
Lin Pan
2020-09-09
Kris is a pleasure to work with. He is extremely helpful, knowledgeable and professional.
Da Na Pari Bello
Da Na Pari Bello
2020-04-17
Kris is such a pleasure to work with. He is extremely knowledgeable, personable, and trustworthy. He was able to find me an insurance company that quoted me 40 dollars less than what I was paying. Great experience! Thanks Kris!
Tommy Espy
Tommy Espy
2020-03-09
Kris, is extremely professional and knowledgeable. He was able to help with my previous auto insurance and renters insurance and current one as well. Kris can help anyone get the best rates around. I highly recommend his assistance to everyone looking for coverage. Thank you Kris for helping me out.
Liz Brecko
Liz Brecko
2020-02-28
Kris was helping with my new insurance, both my car and condo. He is very knowledgeable ( I got a great rate) and extremely friendly. Thanks Kris again, I will recommend your service for all my frinds!

About us

Meet Agency Owner Kris Yee

Kris is a 3rd generation Hakka Chinese born and raised in Cuttack, Orissa, India. He grew up speaking Hindi and Hakka. At the age of 15, Kris immigrated to New Jersey with his family.

1998

Kris joined the U.S. Navy. He went on 3 deployments and is honorably discharged after 6 years of service.

2007

Kris began his career in the insurance industry, he accumulated extensive knowledge and network across multiple insurance companies serving NJ, PA, and NY.

2019

The establishment of our agency in New Jersey.

We are a veteran-owned business. Our agency is founded based on Kris Yee's principle of delivering what's most essential to our customers. We carry the heritage of the U.S. Navy and its core values of honor, courage, and commitment.

Learn more about our values and principle here

Company information

Essential Insurance Services
33 Wood Avenue South, Ste 645
Iselin, NJ 08830

Contact details

E-mail address:
info@essentialinsuranceS.com

732 527 3386

Office Hours:
Mon - Fri: 9:00 AM – 6:00 PM
Can't seem to find time during our normal office hours? Message us to set up a time that works for your schedule!