Gavop tells you how to get the best homeowners insurance in Bernards, NJ by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bernards, 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 | |
| Cottage Ave, Potomac Dr, Emerald Valley Way, Valley View Dr, Dawn Dr, Long Rd, Keystone Ct, Raritan Pl, Cooper Ln, Wexford Way | $792,000 | $650,000 | $600,000-$700,000 | $680,000 | $620,000 | $700,000-$800,000 |
| Bradford Ln, Argyll Way, Gordon Pl, Rockridge Ct, Shephard Way, Stone Hedge Dr S, Goltra Dr, Coppergate Dr, Penwood Rd, Oak Ridge Rd | $687,000 | $620,000 | $600,000-$700,000 | $428,000 | $400,000 | $400,000-$500,000 |
| Bernard Dr, Tartan Dr, Walnut Cir, Hopkinson Ct, Radel Pl, Balsam Way, Old Stage Coach Rd, Ridge St, Haas Rd, Newell Dr | $660,500 | $600,000 | $700,000-$800,000 | $503,000 | $450,000 | $500,000-$600,000 |
| Village Dr, Southard Pl, Meeker Rd, Heritage Rd, Berta Pl, Woods End Dr, Hunter Rd, Highview Ave, Yorkshire Ct, Columbia Rd | $461,000 | $390,000 | $500,000-$600,000 | $437,000 | $400,000 | $400,000-$500,000 |
| Debra Ln, Liberty Ridge Rd, Concord Ln, Manchester Dr, Honeyman Rd, Finley Ave, Hardscrabble Rd, Cedar Creek Dr, Autumn Dr, Overlook Ave | $1,036,500 | $880,000 | More than 10,000,000 | $854,000 | $770,000 | $900,000-$1,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$218 | $928 |
| Superior Protection Discount | -$115 | $1,031 |
| Fire & Security Discount | -$103 | $1,043 |
| Hail Resistant Roof Discount | -$34 | $1,112 |
| Newly Constructed Home Discount | -$264 | $882 |
| 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 |
| Somerset County | $1,000 | $1,189 | $2,189 | $864 | $1,864 | $325 |
| Bernards, NJ | $700 | $1,132 | $1,832 | $823 | $1,523 | $309 |
| Hanover, NJ | $300 | $946 | $1,246 | $688 | $988 | $259 |
| Mountain Lake, NJ | $1,500 | $836 | $2,336 | $607 | $2,107 | $228 |
| Pennington, NJ | $500 | $1,830 | $2,330 | $1,330 | $1,830 | $500 |
| Hamilton Square, NJ | $1,500 | $854 | $2,354 | $621 | $2,121 | $233 |
| Hainesburg, NJ | $500 | $1,140 | $1,640 | $829 | $1,329 | $312 |
| East Freehold, NJ | $2,500 | $1,037 | $3,537 | $753 | $3,253 | $283 |
| Teaneck, NJ | $500 | $1,154 | $1,654 | $839 | $1,339 | $315 |
| Roseto, PA | $1,000 | $715 | $1,715 | $520 | $1,520 | $195 |
| Montgomery, PA | $200 | $797 | $997 | $579 | $779 | $218 |
| Malverne Park Oaks, NY | $2,500 | $2,394 | $4,894 | $1,740 | $4,240 | $654 |
| Home Insurance Company Bernards, NJ | Homeowners Insurance Agency Bernards, NJ | Address | Popularity Score | Distance from Bernards (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | American Insurance Services | 1129 Raritan Rd, Clark, NJ, 7066 | 13.8 | |
| Farmers | Peter Forde | 661 Shunpike Rd, Green Village, NJ, 7935 | 8.6 | |
| Allstate | Berk Demirbulakli | 706 Rt 15 South St 109, Lake Hopatcong, NJ, 7849 | 19.4 | |
| State Farm | Paul Spera | 255 Old New Brnswk Rd, Piscataway, NJ, 08854-3734 | 9.9 | |
| Farmers | Jayme Vinas | 110 4th St, Plainfield, NJ, 7061 | 8.8 | |
| Allstate | Greg Adamo - Adamo Financial Agency | 135 Main St, Madison, NJ, 7940 | 9.9 | |
| Farmers | Dominic Pagano | 30 S Doughty Ave, Somerville, NJ, 8876 | 7.9 | |
| Travelers | Coe Group Inc | 1044 Route 23 Ste 311, Wayne, NJ, 7470 | 23.1 | |
| Liberty Mutual Independent | Ficke & Associates Inc | 271 Us Highway 46, Fairfield, NJ, 7004 | 19.7 | |
| State Farm | Troy Evans | 99 Washington St Ste A, Morristown, NJ, 07960-6893 | 9.5 |
| 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 | $770 | $1,520 | $750 |
| Somerset County, NJ | $412,800 | $1,203 | $810 | $1,720 | $910 |
| Bernards, NJ | $671,300 | $1,146 | $810 | $1,630 | $820 |
| Hanover, NJ | $485,600 | $958 | $660 | $1,370 | $710 |
| Mountain Lake, NJ | $195,200 | $846 | $570 | $1,170 | $600 |
| Pennington, NJ | $562,500 | $1,852 | $1,330 | $2,570 | $1,240 |
| Hamilton Square, NJ | $294,900 | $864 | $610 | $1,190 | $580 |
| Hainesburg, NJ | $353,100 | $1,154 | $840 | $1,600 | $760 |
| East Freehold, NJ | $446,500 | $1,049 | $770 | $1,500 | $730 |
| Teaneck, NJ | $389,000 | $1,168 | $850 | $1,660 | $810 |
| Roseto, PA | $159,200 | $724 | $490 | $990 | $500 |
| Montgomery, PA | $347,400 | $807 | $590 | $1,110 | $520 |
| Malverne Park Oaks, NY | $484,400 | $2,423 | $1,740 | $3,420 | $1,680 |