Gavop's guide to buying homeowners insurance in Long Hill, 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$245 | $736 |
| 30 year old | +$15 | $996 |
| 40 year old | +$26 | $1,006 |
| 50 year old | +$37 | $1,018 |
| Above 50 year old | +$47 | $1,028 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $844 |
| Superior Protection Discount | -$88 | $893 |
| Fire & Security Discount | -$98 | $883 |
| Hail Resistant Roof Discount | -$20 | $961 |
| Newly Constructed Home Discount | -$284 | $696 |
| 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 |
| Morris County | $2,000 | $1,279 | $3,279 | $929 | $2,929 | $349 |
| Long Hill, NJ | $2,500 | $969 | $3,469 | $704 | $3,204 | $265 |
| North Caldwell, NJ | $300 | $1,131 | $1,431 | $822 | $1,122 | $309 |
| East Newark, NJ | $1,000 | $1,026 | $2,026 | $745 | $1,745 | $280 |
| Skillman, NJ | $400 | $1,771 | $2,171 | $1,287 | $1,687 | $484 |
| Brass Castle, NJ | $1,000 | $939 | $1,939 | $682 | $1,682 | $257 |
| Paramus, NJ | $200 | $1,013 | $1,213 | $736 | $936 | $277 |
| Mountain Lake, NJ | $1,000 | $836 | $1,836 | $607 | $1,607 | $228 |
| Leonardo, NJ | $500 | $1,056 | $1,556 | $768 | $1,268 | $289 |
| Richboro, PA | $2,000 | $978 | $2,978 | $711 | $2,711 | $267 |
| Manhasset Hills, NY | $100 | $844 | $944 | $613 | $713 | $231 |
| Home Insurance Company Long Hill, NJ | Homeowners Insurance Agency Long Hill, NJ | Address | Popularity Score | Distance from Long Hill (miles) |
|---|---|---|---|---|
| State Farm | Mansa Nicome | 86 State Highway 35, Neptune City, NJ, 7753 | 41.4 | |
| State Farm | Peter Romeo | 1429 Us Highway 22, Mountainside, NJ, 07092-2406 | 7.1 | |
| Travelers | Adp Statewide Insurance Agencies Inc | 325 Columbia Tpke Ste 106, Florham Park, NJ, 7932 | 8.5 | |
| State Farm | Jean Digrande | 560 Mountain Ave Ste 1, Gillette, NJ, 07933-2027 | 1.6 | |
| Farmers | Sandra Andrade | 231 Elmer St, Westfield, NJ, 7090 | 8.1 | |
| Travelers | Beatty & Associates Llc | 1 Kings Rd, Madison, NJ, 7940 | 6.5 | |
| State Farm | Paul Spera | 255 Old New Brnswk Rd, Piscataway, NJ, 08854-3734 | 9.2 | |
| Travelers | True & Associates | 325 N Ave E, Westfield, NJ, 7090 | 8.2 | |
| State Farm | Joe Ciraulo | 15 Commerce Blvd Ste 102, Succasunna, NJ, 07876-1343 | 15.3 | |
| Farmers | Jayme Vinas | 110 4th St, Plainfield, NJ, 7061 | 6.0 |
| 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 | $780 | $1,500 | $720 |
| Morris County, NJ | $438,100 | $1,294 | $920 | $1,820 | $900 |
| Long Hill, NJ | $540,800 | $981 | $710 | $1,340 | $630 |
| North Caldwell, NJ | $730,900 | $1,145 | $820 | $1,640 | $820 |
| East Newark, NJ | $300,000 | $1,038 | $700 | $1,480 | $780 |
| Skillman, NJ | $537,800 | $1,793 | $1,200 | $2,470 | $1,270 |
| Brass Castle, NJ | $251,300 | $950 | $680 | $1,320 | $640 |
| Paramus, NJ | $574,600 | $1,025 | $710 | $1,420 | $710 |
| Mountain Lake, NJ | $195,200 | $846 | $620 | $1,160 | $540 |
| Leonardo, NJ | $315,300 | $1,069 | $720 | $1,490 | $770 |
| Richboro, PA | $412,300 | $990 | $660 | $1,360 | $700 |
| Manhasset Hills, NY | $835,000 | $854 | $590 | $1,170 | $580 |