Gavop's guide to buying homeowners insurance in Florham Park, 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.
| Florham Park, NJ - Neighbourhoods, Census Blocks & Streets | 4 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Todd Ct, Fernwood Rd, Willow Way, Totty Ct, Trevino Ct, Harvale Dr, Lloyd Ave, Casper Ct, Carrigan Ln, Annabelle Ln | $663,500 | $550,000 | $500,000-$600,000 | $289,500 | $270,000 | $200,000-$250,000 |
| Florham Ave, Lanning Ct, Rockwood Rd, Penna Ct, Leslie Ave, Rockwood Rd, Northridge Dr, Vultee Dr, Cory Rd, Rushmore Ct | $518,500 | $490,000 | $400,000-$500,000 | $355,500 | $330,000 | $300,000-$350,000 |
| Woods End Rd, Simonson Ct, Country Club Ln, Palmer Ct, Tower Ln, Mann Ave, Pierson Ln, Edgewood Dr, Brandywyne Dr, Sutton Pl | $634,000 | $520,000 | $500,000-$600,000 | $568,500 | $530,000 | $500,000-$600,000 |
| Kice Rd, Townsend Dr, Baldwin Rd, Campus Dr, Dearburn Ct, Lauri Dr, Midwood Dr, Columbia Tpke, Woodcrest Rd, Columbia Tpke | $1,079,000 | $970,000 | More than 10,000,000 | $480,000 | $420,000 | $400,000-$500,000 |
| Parker Ct, Dellwood Dr, Tunis Dr, Manker Dr, Insley Rd, Farr Ln, E Madison Ct, Pinchbrook Dr, Quail Run, Milton Ave | $742,500 | $620,000 | $700,000-$800,000 | $456,500 | $420,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$173 | $910 |
| Superior Protection Discount | -$108 | $975 |
| Fire & Security Discount | -$97 | $985 |
| Hail Resistant Roof Discount | -$32 | $1,050 |
| Newly Constructed Home Discount | -$314 | $769 |
| 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 | $2,500 | $1,279 | $3,779 | $929 | $3,429 | $349 |
| Florham Park, NJ | $2,500 | $1,070 | $3,570 | $778 | $3,278 | $292 |
| Lyndhurst, NJ | $300 | $839 | $1,139 | $610 | $910 | $229 |
| Fords, NJ | $1,500 | $852 | $2,352 | $619 | $2,119 | $233 |
| Saddle Brook, NJ | $500 | $836 | $1,336 | $607 | $1,107 | $228 |
| Dayton, NJ | $700 | $858 | $1,558 | $623 | $1,323 | $234 |
| Harbor Hills, NY | $200 | $821 | $1,021 | $597 | $797 | $224 |
| Broadway, NJ | $2,000 | $775 | $2,775 | $563 | $2,563 | $212 |
| Lakeview, NY | $200 | $1,537 | $1,737 | $1,117 | $1,317 | $420 |
| Oceanside, NY | $700 | $1,416 | $2,116 | $1,029 | $1,729 | $387 |
| Carle Place, NY | $500 | $2,406 | $2,906 | $1,748 | $2,248 | $657 |
| Upper Nazareth, PA | $2,500 | $754 | $3,254 | $548 | $3,048 | $206 |
| Home Insurance Company Florham Park, NJ | Homeowners Insurance Agency Florham Park, NJ | Address | Popularity Score | Distance from Florham Park (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | A. C. Marmo & Sons Inc. | 350 Passaic Ave, Fairfield, NJ, 7004 | 9.9 | |
| Farmers | Peter Forde | 661 Shunpike Rd, Green Village, NJ, 7935 | 2.9 | |
| Farmers | Junior Pierreantoine | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 6.8 | |
| Travelers | True & Associates | 325 N Ave E, Westfield, NJ, 7090 | 9.2 | |
| Farmers | Mario Vargas | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 6.8 | |
| Liberty Mutual Independent | The Maccormack Agency | 55 Flanagan Way, Secaucus, NJ, 7094 | 17.7 | |
| State Farm | Carlos Capellan | 266 Bloomfield Ave, Caldwell, NJ, 07006-5101 | 7.6 | |
| State Farm | Frank Mosier | 374 Millburn Ave Ste 305e, Millburn, NJ, 07041-1351 | 5.9 | |
| Travelers | Coastal Financial Group Inc | 150 River Rd Ste E-3, Montville, NJ, 7045 | 7.9 | |
| State Farm | Chip Ott | 164 Main St, Chatham, NJ, 07928-2419 | 2.8 |
| 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 | $1,480 | $740 |
| Morris County, NJ | $438,100 | $1,294 | $880 | $1,790 | $910 |
| Florham Park, NJ | $619,800 | $1,083 | $750 | $1,480 | $730 |
| Lyndhurst, NJ | $368,100 | $849 | $600 | $1,210 | $610 |
| Fords, NJ | $293,900 | $863 | $600 | $1,180 | $580 |
| Saddle Brook, NJ | $366,500 | $846 | $610 | $1,160 | $550 |
| Dayton, NJ | $377,700 | $868 | $620 | $1,230 | $610 |
| Harbor Hills, NY | $1,445,200 | $831 | $600 | $1,150 | $550 |
| Broadway, NJ | $166,400 | $784 | $530 | $1,090 | $560 |
| Lakeview, NY | $360,600 | $1,556 | $1,120 | $2,160 | $1,040 |
| Oceanside, NY | $443,900 | $1,434 | $990 | $2,040 | $1,050 |
| Carle Place, NY | $486,000 | $2,435 | $1,780 | $3,430 | $1,650 |
| Upper Nazareth, PA | $258,400 | $764 | $520 | $1,050 | $530 |