Insurance Guidance Backed by 100+ Years of Regional Expertise

Mesanko is a multi-state independent insurance agency serving families and businesses across New Jersey, New York, and Pennsylvania. We write full personal and commercial lines, handling everything from everyday home and auto coverage to coastal properties, seasonal operations and hard-to-place risks.

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About us

Why Choose Us?

Choosing insurance can feel overwhelming when you’re trying to protect your home, vehicles, or business in a changing risk environment. Many people worry about overpaying, being underinsured, or discovering coverage gaps after a loss. As an independent agency, Mesanko compares carriers across personal insurance solutions and business insurance solutions to help you choose protection that truly fits your life or operations.

Coverage That Brings Clarity, Control, and Real Peace of Mind

When you’re trying to protect the life you’ve built, you want answers that make everything feel simpler, steadier, and more affordable. With Mesanko guiding each step, these are the benefits that help your next move feel easier.

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Clear, Honest Guidance

Insurance can feel confusing, but our independent approach gives you straightforward answers—without the pressure of carrier-driven recommendations.

Options That Fit Your Life

Instead of forcing one-size-fits-all solutions, we compare multiple carriers to help you choose coverage that actually protects what matters most.

Local Support You Can Count On

When you need help, you talk to real people who know your community and understand your risks.

Coverage for Every Stage

From homeowners and auto to small business and professional lines, we simplify everything so you don’t have to juggle multiple providers.

Protection Built on Experience

With more than 100 years serving the region, we’ve seen nearly every scenario—and we’re here to help you avoid common pitfalls.

Trusted by Clients Across the Region

While our offices are located in Atlantic Highlands and Tom’s River, we proudly serve clients from Ocean County to Monmouth County, and across NJ, NY, and PA with the same hands-on approach and regional expertise.

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Very helpful, friendly, experienced and efficient staff who can help you get multiple kinds of insurance from auto to business. They know the local market and it was a pleasure to work with Dawn.


- Rita L.

Five black stars.

Excellent Experience! Attentive Honest and very helpful


- Debra R.

Insurance Solutions for Real Life and Business

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Personal Insurance

Life at home comes with big responsibilities, from protecting your property to staying prepared for unexpected events. Our team helps you compare carriers and choose personal insurance solutions that make everyday life feel more secure.

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Business Insurance

Running a business means managing risk at every turn, and finding the right protection shouldn’t add to your stress. We guide you toward business insurance solutions that fit your operations, budget, and long-term goals.

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Amusement & Boardwalk Business Insurance

Seasonal, coastal, and entertainment-based businesses face unique risks that standard policies often don’t address. From boardwalk arcades and amusement rides to carnivals and seasonal attractions, we specialize in protecting high-traffic, hard-to-place operations with coverage built for your season, equipment, and liability exposure.

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Flood Insurance

Coastal and low-lying NJ communities face real flooding risks, and many homeowners underestimate their exposure. We help you understand flood zones and choose policies built for your specific property conditions.

Guidance for Families, Homeowners, and Local Businesses

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Families & Homeowners

Protecting your home, vehicles, and loved ones shouldn’t feel complicated. We make it simple to compare options and choose protection that truly fits your life.

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Small Business Owners

From contractors to boardwalk businesses, your risks aren’t like anyone else’s. We help you find practical coverage that keeps your operations moving smoothly.

Make One Choice Today That Simplifies All Your Coverage

When you’re tired of comparing quotes, dealing with call centers, or feeling unsure about what you really need, we’re here to make everything clearer. People across the region rely on us for honest guidance and straightforward recommendations, with local support from our teams serving Ocean County and Monmouth County who make insurance feel human from the very first conversation..