Gavop's guide to buying homeowners insurance in Fairfield, 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 | $151,000 | $140,000 | $150,000-$175,000 |
| 2 Bedroom | $238,500 | $190,000 | $200,000-$250,000 |
| 3 Bedroom | $376,500 | $330,000 | $400,000-$500,000 |
| 4 Bedroom | $534,500 | $440,000 | $500,000-$600,000 |
| 5 Bedroom | $806,000 | $650,000 | $800,000-$900,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $866 |
| Superior Protection Discount | -$91 | $916 |
| Fire & Security Discount | -$101 | $906 |
| Hail Resistant Roof Discount | -$20 | $986 |
| Newly Constructed Home Discount | -$252 | $755 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,295 |
| Hail Damage | $4,665 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $17,389 |
| Home Insurance Company Fairfield, NJ | Homeowners Insurance Agency Fairfield, NJ | Address | Popularity Score | Distance from Fairfield (miles) |
|---|---|---|---|---|
| Allstate | Walter Erhardt | 268 Route 202 N, Flemington, NJ, 8822 | 39.4 | |
| State Farm | Derek Vannelli | 1212 Route 23 Ste 2, Butler, NJ, 07405-2039 | 7.7 | |
| Allstate | Neil H. Greco | 25 W Northfield Rd, Livingston, NJ, 7039 | 7.5 | |
| Farmers | Leslie Lassen | 1915 Morris Ave Fl 2, Union, NJ, 7083 | 13.1 | |
| Farmers | Ruth Blanchard | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 7.6 | |
| State Farm | Carlos Capellan | 266 Bloomfield Ave, Caldwell, NJ, 07006-5101 | 3.5 | |
| Farmers | Bruce Bennett | 86 Laroche Ave, Harrington Park, NJ, 7640 | 18.4 | |
| State Farm | Lenny Barone | 271 Route 46 W Ste F201, Fairfield, NJ, 07004-2448 | 0.5 | |
| State Farm | Jared Bush | 725 Kennedy Blvd, North Bergen, NJ, 07047-1780 | 16.1 | |
| State Farm | Gary Laglia | 886 Pompton Ave Ste B1, Cedar Grove, NJ, 07009-1257 | 4.0 |
| 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 | $790 | $1,500 | $710 |
| Essex County, NJ | $362,300 | $1,096 | $790 | $1,520 | $730 |
| Fairfield, NJ | $472,900 | $1,007 | $690 | $1,390 | $700 |
| Saddle Brook, NJ | $366,500 | $846 | $600 | $1,180 | $580 |
| Victory Gardens, NJ | $172,100 | $797 | $570 | $1,120 | $550 |
| Leonia, NJ | $481,200 | $943 | $630 | $1,340 | $710 |
| Inwood, NY | $375,100 | $940 | $640 | $1,300 | $660 |
| South Blooming Grove, NY | $267,200 | $1,036 | $700 | $1,470 | $770 |
| Garden City South, NY | $510,900 | $2,352 | $1,670 | $3,340 | $1,670 |
| Blairstown, NJ | $302,000 | $875 | $640 | $1,220 | $580 |
| East Atlantic Beach, NY | $615,700 | $2,754 | $1,850 | $3,940 | $2,090 |
| Plainsboro, NJ | $468,700 | $992 | $660 | $1,370 | $710 |
| Tinton Falls, NJ | $319,100 | $905 | $610 | $1,240 | $630 |