Gavop's guide to buying homeowners insurance in Heathcote, 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 | $102,500 | $100,000 | $75,000-$100,000 |
| 2 Bedroom | $151,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $303,500 | $250,000 | $250,000-$300,000 |
| 4 Bedroom | $501,000 | $430,000 | $400,000-$500,000 |
| 5 Bedroom | $254,500 | $220,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$77 | $891 |
| Home and Two Car | -$165 | $804 |
| Home and Three Car | -$223 | $746 |
| 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 |
| Middlesex County | $2,500 | $1,009 | $3,509 | $733 | $3,233 | $276 |
| Heathcote, NJ | $1,500 | $957 | $2,457 | $695 | $2,195 | $261 |
| Twin Rivers, NJ | $500 | $866 | $1,366 | $630 | $1,130 | $237 |
| Green Brook, NJ | $2,000 | $1,024 | $3,024 | $744 | $2,744 | $280 |
| Matawan, NJ | $300 | $781 | $1,081 | $568 | $868 | $213 |
| Woodside, PA | $2,500 | $1,800 | $4,300 | $1,308 | $3,808 | $492 |
| Tullytown, PA | $400 | $851 | $1,251 | $618 | $1,018 | $232 |
| Cornwells Heights, PA | $700 | $910 | $1,610 | $661 | $1,361 | $249 |
| Bloomsbury, NJ | $200 | $932 | $1,132 | $677 | $877 | $255 |
| Fort Washington, PA | $700 | $979 | $1,679 | $712 | $1,412 | $268 |
| Upper Gwynedd, PA | $100 | $913 | $1,013 | $663 | $763 | $249 |
| Haddon, NJ | $700 | $797 | $1,497 | $579 | $1,279 | $218 |
| Home Insurance Company Heathcote, NJ | Homeowners Insurance Agency Heathcote, NJ | Address | Popularity Score | Distance from Heathcote (miles) |
|---|---|---|---|---|
| State Farm | Zanetta Glover | 570 Broad St Ste 114, Newark, NJ, 07102-4518 | 32.2 | |
| Travelers | Otterstedt Agency | 540 Sylvan Ave, Englewood Cliffs, NJ, 7632 | 47.2 | |
| Allstate | Steven Lambusta | 4130 Quakerbridge Rd Bldg 2, Lawrenceville, NJ, 8648 | 9.0 | |
| Travelers | Crisp Insurance Advisors Of Princeton Llc | 1250 Rte 28 Ste 201, Branchburg, NJ, 8876 | 16.2 | |
| State Farm | Alberto Santana | 1755 John F Kennedy Blvd Apt 1, Jersey City, NJ, 07305-1900 | 33.1 | |
| Travelers | T E Freuler Agency Inc | 13 Clyde Rd Ste 202, Somerset, NJ, 8873 | 7.5 | |
| State Farm | Jody Huss | 474 Brick Blvd, Brick, NJ, 08723-6090 | 32.7 | |
| Allstate | Roland J. Minard | 947 State Rd Ste 201, Princeton, NJ, 8540 | 4.3 | |
| State Farm | Chip Ott | 164 Main St, Chatham, NJ, 07928-2419 | 26.2 | |
| Travelers | Jerlyn Associates Inc | 34 Route 22 W, Green Brook, NJ, 8812 | 16.1 |
| 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 |
| Middlesex County, NJ | $329,000 | $1,021 | $740 | $1,410 | $670 |
| Heathcote, NJ | $419,400 | $968 | $650 | $1,380 | $730 |
| Twin Rivers, NJ | $210,900 | $877 | $600 | $1,200 | $600 |
| Green Brook, NJ | $442,600 | $1,037 | $690 | $1,440 | $750 |
| Matawan, NJ | $335,400 | $791 | $570 | $1,120 | $550 |
| Woodside, PA | $485,100 | $1,822 | $1,260 | $2,500 | $1,240 |
| Tullytown, PA | $233,600 | $861 | $630 | $1,190 | $560 |
| Cornwells Heights, PA | $264,400 | $921 | $650 | $1,270 | $620 |
| Bloomsbury, NJ | $247,200 | $943 | $640 | $1,330 | $690 |
| Fort Washington, PA | $412,700 | $991 | $710 | $1,380 | $670 |
| Upper Gwynedd, PA | $336,100 | $924 | $620 | $1,280 | $660 |
| Haddon, NJ | $256,900 | $806 | $560 | $1,140 | $580 |