Gavop tells you how to get the best homeowners insurance in Ramsey, NJ by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Ramsey, NJ - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Hillview Pl, Fen Ct, Van Gelder Ct, White Ter, Quail Run, Schierloh Ct, Clarana St, Fairfax Dr, Georgetown Dr, Briarwood Ct | $409,000 | $350,000 | $400,000-$500,000 | $681,500 | $570,000 | $700,000-$800,000 |
| Kelleher Ave, Bonnieview Ter, Goose Cove Ln, Overlook Ct, Swan St, Brookside Rd, Spruce Run, Collette Dr, Candlelight Rd, Colonial Heights Rd | $652,500 | $540,000 | $700,000-$800,000 | $812,500 | $660,000 | $700,000-$800,000 |
| Carol St, Momar Dr, Joshua Dr, Hosking Way, Acorn Ct, Canterbury Dr, Shadyside Rd, Mohawk Dr, N Island Ave, Swan Hollow | $681,500 | $620,000 | $700,000-$800,000 | $845,000 | $760,000 | $800,000-$900,000 |
| Elbert Ct, N Spruce St, Rosewood Ct, Crescent Hollow Ct, Maple Ct, Candlelight Dr, Dixon St, Balfour Ln, N Jean St, Alder Dr | $424,000 | $380,000 | $300,000-$350,000 | $515,500 | $460,000 | $400,000-$500,000 |
| Lillian Ct, Buckingham Dr, Bedford Pl, Nottingham Rd, Island Ave, Norman Dr, Armstrong Ave, Upland Rd, Morningside Dr, Lancaster Ct | $286,000 | $260,000 | $300,000-$350,000 | $416,000 | $380,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $850 |
| Superior Protection Discount | -$100 | $900 |
| Fire & Security Discount | -$100 | $900 |
| Hail Resistant Roof Discount | -$20 | $980 |
| Newly Constructed Home Discount | -$280 | $720 |
| 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 | $2,500 | $1,332 | $3,832 | $968 | $3,468 | $364 |
| Ramsey, NJ | $700 | $988 | $1,688 | $718 | $1,418 | $270 |
| Larchmont, NY | $500 | $841 | $1,341 | $611 | $1,111 | $230 |
| Cornwall-on-Hudson, NY | $2,500 | $1,240 | $3,740 | $901 | $3,401 | $339 |
| Plandome Heights, NY | $300 | $1,026 | $1,326 | $745 | $1,045 | $280 |
| Herricks, NY | $2,000 | $2,739 | $4,739 | $1,990 | $3,990 | $748 |
| Colonia, NJ | $200 | $808 | $1,008 | $587 | $787 | $221 |
| Wurtsboro, NY | $2,000 | $673 | $2,673 | $489 | $2,489 | $184 |
| Bethpage, NY | $400 | $1,101 | $1,501 | $800 | $1,200 | $301 |
| Lloyd, NY | $700 | $773 | $1,473 | $562 | $1,262 | $211 |
| Amityville, NY | $300 | $956 | $1,256 | $695 | $995 | $261 |
| Saw Creek, PA | $2,500 | $653 | $3,153 | $475 | $2,975 | $178 |
| Home Insurance Company Ramsey, NJ | Homeowners Insurance Agency Ramsey, NJ | Address | Popularity Score | Distance from Ramsey (miles) |
|---|---|---|---|---|
| Allstate | Sameh Wahba | 64 E Ridgewood Ave, Paramus, NJ, 7652 | 7.4 | |
| State Farm | Michael Laglia | 98 Broadway, Hillsdale, NJ, 07642-2716 | 6.8 | |
| Travelers | Bayonne Transoceanic Inc | 620 Broadway, Bayonne, NJ, 7002 | 27.0 | |
| Allstate | Richard Caivano | 400 Ramapo Valley Rd, Oakland, NJ, 7436 | 5.4 | |
| Allstate | Robert L Cella | 16 Skyline Lake Dr Ste 5a, Ringwood, NJ, 7456 | 7.1 | |
| Farmers | Lillyanne Park | 84 E Ridgewood Ave Ste 203, Ridgewood, NJ, 7450 | 5.7 | |
| State Farm | Jerry Traille | 428 Haledon Ave Ste A, Haledon, NJ, 07508-1565 | 8.6 | |
| Allstate | Nick Fuccilli | 18a E Prospect St, Waldwick, NJ, 7463 | 3.6 | |
| Allstate | Scott Muller | 76 W Allendale Ave, Allendale, NJ, 7401 | 2.2 | |
| Travelers | G&S Financial Services Llc | 290 Lafayette Avenue, Hawthorne, NJ, 7507 | 7.7 |
| 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 | $1,490 | $710 |
| Bergen County, NJ | $451,200 | $1,348 | $930 | $1,850 | $920 |
| Ramsey, NJ | $555,200 | $1,000 | $720 | $1,370 | $650 |
| Larchmont, NY | $1,183,700 | $851 | $620 | $1,220 | $600 |
| Cornwall-on-Hudson, NY | $310,000 | $1,255 | $870 | $1,770 | $900 |
| Plandome Heights, NY | $1,111,300 | $1,038 | $710 | $1,430 | $720 |
| Herricks, NY | $620,600 | $2,772 | $2,020 | $3,830 | $1,810 |
| Colonia, NJ | $351,200 | $818 | $560 | $1,160 | $600 |
| Wurtsboro, NY | $168,200 | $681 | $480 | $930 | $450 |
| Bethpage, NY | $432,700 | $1,114 | $760 | $1,570 | $810 |
| Lloyd, NY | $244,000 | $783 | $520 | $1,090 | $570 |
| Amityville, NY | $382,200 | $967 | $670 | $1,340 | $670 |
| Saw Creek, PA | $128,500 | $661 | $440 | $930 | $490 |