Gavop's guide to buying homeowners insurance in Bergenfield, NJ covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $118,000 | $110,000 | $125,000-$150,000 |
| 2 Bedroom | $224,000 | $200,000 | $200,000-$250,000 |
| 3 Bedroom | $239,500 | $220,000 | $250,000-$300,000 |
| 4 Bedroom | $417,000 | $370,000 | $350,000-$400,000 |
| 5 Bedroom | $502,500 | $470,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$64 | $741 |
| Home and Two Car | -$137 | $669 |
| Home and Three Car | -$185 | $620 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,685 |
| Hail Damage | $5,426 |
| Wind Damage | $10,216 |
| Expensive Claims | |
| Fire | $35,690 |
| Accidental Discharge/Leakage | $8,366 |
| Optional Coverage Losses | $8,568 |
| Home Insurance Company Bergenfield, NJ | Homeowners Insurance Agency Bergenfield, NJ | Address | Popularity Score | Distance from Bergenfield (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Johl & Company | 199 Center Ave, Westwood, NJ, 7675 | 5.1 | |
| Travelers | The Insurance Place | 35 Legion Dr, Bergenfield, NJ, 7621 | 0.4 | |
| Allstate | Joseph Marghella | 180 Newark Pompton Tpke, Pequannock, NJ, 7440 | 15.3 | |
| Liberty Mutual Independent | The Maccormack Agency | 55 Flanagan Way, Secaucus, NJ, 7094 | 9.6 | |
| State Farm | John Dipace | 186 Columbia Tpke, Florham Park, NJ, 07932-1389 | 22.7 | |
| Travelers | Suburban Brokers Inc | 6-16 Saddle River Rd, Fair Lawn, NJ, 7410 | 5.3 | |
| State Farm | Andrew Kim | 1617 Center Ave, Fort Lee, NJ, 07024-4740 | 5.1 | |
| State Farm | Ken Kneis | 2 Queen Anne Rd, Bogota, NJ, 07603-1818 | 4.1 | |
| State Farm | Pete Agosta | 270 Hackensack St, Wood Ridge, NJ, 07075-1238 | 6.7 | |
| Travelers | Reynold R Bonaldi Agency | 38 Kinderkamack Rd, Oradell, NJ, 7649 | 2.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New Jersey | $321,100 | $1,081 | $740 | $1,550 | $810 |
| Bergen County, NJ | $451,200 | $1,348 | $960 | $1,910 | $950 |
| Bergenfield, NJ | $344,500 | $806 | $560 | $1,140 | $580 |
| Rochelle Park, NJ | $371,300 | $1,203 | $830 | $1,650 | $820 |
| Montebello, NY | $624,000 | $2,785 | $2,030 | $3,870 | $1,840 |
| Hawthorne, NY | $504,400 | $2,326 | $1,560 | $3,190 | $1,630 |
| South Huntington, NY | $421,100 | $1,962 | $1,350 | $2,810 | $1,460 |
| East Northport, NY | $452,900 | $1,124 | $820 | $1,610 | $790 |
| Allamuchy, NJ | $258,700 | $963 | $680 | $1,360 | $680 |
| Lake Grove, NY | $388,400 | $991 | $680 | $1,360 | $680 |
| East Rocky Hill, NJ | $396,200 | $1,279 | $930 | $1,820 | $890 |
| Belle Terre, NY | $841,800 | $599 | $430 | $840 | $410 |