Gavop's guide to buying homeowners insurance in Woodcliff Lake, 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 | $201,000 | $170,000 | $200,000-$250,000 |
| 2 Bedroom | $465,000 | $440,000 | $500,000-$600,000 |
| 3 Bedroom | $426,000 | $400,000 | $400,000-$500,000 |
| 4 Bedroom | $828,000 | $740,000 | $900,000-$1,000,000 |
| 5 Bedroom | $1,215,000 | $1,140,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$166 | $1,020 |
| Superior Protection Discount | -$107 | $1,079 |
| Fire & Security Discount | -$83 | $1,103 |
| Hail Resistant Roof Discount | -$24 | $1,162 |
| Newly Constructed Home Discount | -$320 | $866 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Bergen County | $1,000 | $1,332 | $2,332 | $968 | $1,968 | $364 |
| Woodcliff Lake, NJ | $1,500 | $1,172 | $2,672 | $852 | $2,352 | $320 |
| Elmwood Park, NJ | $400 | $802 | $1,202 | $583 | $983 | $219 |
| East Orange, NJ | $700 | $830 | $1,530 | $603 | $1,303 | $227 |
| Crompond, NY | $500 | $2,334 | $2,834 | $1,696 | $2,196 | $638 |
| New Providence, NJ | $2,500 | $1,024 | $3,524 | $744 | $3,244 | $280 |
| Netcong, NJ | $400 | $963 | $1,363 | $700 | $1,100 | $263 |
| Myers Corner, NY | $1,000 | $872 | $1,872 | $634 | $1,634 | $238 |
| Hackettstown, NJ | $200 | $820 | $1,020 | $596 | $796 | $224 |
| Somerset County, NJ | $1,000 | $1,189 | $2,189 | $864 | $1,864 | $325 |
| Newtown, CT | $200 | $928 | $1,128 | $674 | $874 | $254 |
| Marlboro, NJ | $700 | $1,384 | $2,084 | $1,006 | $1,706 | $378 |
| Home Insurance Company Woodcliff Lake, NJ | Homeowners Insurance Agency Woodcliff Lake, NJ | Address | Popularity Score | Distance from Woodcliff Lake (miles) |
|---|---|---|---|---|
| Travelers | Esposito Insurance Group | 89 Franklin Ave Ste 200, Nutley, NJ, 7110 | 15.8 | |
| State Farm | Ed Vannelli | 166 Fairview Ave Ste A, Westwood, NJ, 07675-2279 | 2.9 | |
| Travelers | Mosco Insurance Agency Llc | 83 Park St, Ridgefield Park, NJ, 7660 | 11.8 | |
| State Farm | Anna Kim | 304 Harrington Ave Ste 2a, Closter, NJ, 07624-1902 | 6.2 | |
| Allstate | Daniel Tichio | 405 Rochelle Ave Fl 2, Rochelle Park, NJ, 7662 | 8.1 | |
| State Farm | Sergio Bio | 25 Hawthorne Ave, Park Ridge, NJ, 07656-1212 | 1.4 | |
| Allstate | Sameh Wahba | 203a Main St, Hackensack, NJ, 7601 | 9.8 | |
| Travelers | Firm Inc | One Lethbridge Plz Ste 30, Mahwah, NJ, 7430 | 6.3 | |
| Travelers | Clay Thomas & Associates Llc | One International Blvd Ste 908, Mahwah, NJ, 7495 | 7.5 | |
| State Farm | Tom Flynn | 282 Kinderkamack Rd Ste C, Oradell, NJ, 07649-2124 | 5.5 |
| 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 | $720 | $1,480 | $760 |
| Bergen County, NJ | $451,200 | $1,348 | $920 | $1,900 | $980 |
| Woodcliff Lake, NJ | $769,500 | $1,186 | $820 | $1,680 | $860 |
| Elmwood Park, NJ | $348,200 | $812 | $550 | $1,110 | $560 |
| East Orange, NJ | $205,100 | $840 | $600 | $1,200 | $600 |
| Crompond, NY | $513,300 | $2,362 | $1,580 | $3,350 | $1,770 |
| New Providence, NJ | $583,200 | $1,037 | $720 | $1,430 | $710 |
| Netcong, NJ | $265,500 | $975 | $650 | $1,340 | $690 |
| Myers Corner, NY | $307,400 | $882 | $640 | $1,230 | $590 |
| Hackettstown, NJ | $272,600 | $830 | $560 | $1,150 | $590 |
| Somerset County, NJ | $412,800 | $1,203 | $810 | $1,650 | $840 |
| Newtown, CT | $403,400 | $939 | $690 | $1,330 | $640 |
| Marlboro, NJ | $512,100 | $1,401 | $1,010 | $1,930 | $920 |