Gavop's guide to buying homeowners insurance in Wharton, 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 | $128,500 | $120,000 | $100,000-$125,000 |
| 2 Bedroom | $249,500 | $230,000 | $200,000-$250,000 |
| 3 Bedroom | $399,000 | $380,000 | $400,000-$500,000 |
| 4 Bedroom | $323,000 | $280,000 | $350,000-$400,000 |
| 5 Bedroom | $822,000 | $670,000 | $800,000-$900,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $733 |
| Superior Protection Discount | -$86 | $776 |
| Fire & Security Discount | -$60 | $802 |
| Hail Resistant Roof Discount | -$17 | $845 |
| Newly Constructed Home Discount | -$224 | $638 |
| 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 |
| Wharton, NJ | $700 | $852 | $1,552 | $619 | $1,319 | $233 |
| Green, NJ | $400 | $1,142 | $1,542 | $830 | $1,230 | $312 |
| Liberty, NJ | $2,000 | $1,004 | $3,004 | $729 | $2,729 | $274 |
| East Orange, NJ | $100 | $830 | $930 | $603 | $703 | $227 |
| Finderne, NJ | $2,000 | $847 | $2,847 | $616 | $2,616 | $232 |
| Upper Saddle River, NJ | $100 | $786 | $886 | $571 | $671 | $215 |
| Warwick, NY | $2,500 | $1,119 | $3,619 | $813 | $3,313 | $306 |
| South Hackensack, NJ | $100 | $1,172 | $1,272 | $852 | $952 | $320 |
| Minisink, NY | $1,000 | $1,114 | $2,114 | $810 | $1,810 | $305 |
| Staten Island, NY | $300 | $1,138 | $1,438 | $827 | $1,127 | $311 |
| Middlesex County, NJ | $1,000 | $1,009 | $2,009 | $733 | $1,733 | $276 |
| Home Insurance Company Wharton, NJ | Homeowners Insurance Agency Wharton, NJ | Address | Popularity Score | Distance from Wharton (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | E & K Agency Inc | 613 Hope Road, Eatontown, NJ, 7724 | 49.3 | |
| State Farm | Craig Stix | 10 S Morris St, Dover, NJ, 07801-4637 | 1.3 | |
| Farmers | Junior Pierreantoine | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 6.9 | |
| Allstate | Frank Gargin | 191 Woodport Rd, Sparta, NJ, 7871 | 9.3 | |
| Farmers | Claudio Sarrido | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 6.9 | |
| Travelers | Benson Thomson Agency Inc | 15 North Morris Street, Dover, NJ, 7801 | 1.2 | |
| State Farm | Mike Santangelo | 400 Morris Ave Ste 230, Denville, NJ, 07834-1362 | 3.9 | |
| Liberty Mutual Independent | Wr Mcclure Insurance Services Inc | 230 Us Highway 206 Ste 8, Flanders, NJ, 7836 | 7.9 | |
| Allstate | Ronald Murtha | 514 Centennial Ave, Cranford, NJ, 7016 | 22.9 | |
| Farmers | Steve Madurski | 1614 Irving St, Rahway, NJ, 7065 | 25.2 |
| 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 | $750 | $1,490 | $740 |
| Morris County, NJ | $438,100 | $1,294 | $880 | $1,820 | $940 |
| Wharton, NJ | $293,800 | $863 | $620 | $1,190 | $570 |
| Green, NJ | $353,800 | $1,156 | $800 | $1,600 | $800 |
| Liberty, NJ | $287,900 | $1,016 | $700 | $1,450 | $750 |
| East Orange, NJ | $205,100 | $840 | $600 | $1,180 | $580 |
| Finderne, NJ | $290,700 | $858 | $570 | $1,170 | $600 |
| Upper Saddle River, NJ | $920,400 | $795 | $560 | $1,110 | $550 |
| Warwick, NY | $303,100 | $1,133 | $800 | $1,610 | $810 |
| South Hackensack, NJ | $365,100 | $1,186 | $850 | $1,700 | $850 |
| Minisink, NY | $286,100 | $1,128 | $760 | $1,610 | $850 |
| Staten Island, NY | $460,200 | $1,151 | $840 | $1,650 | $810 |
| Middlesex County, NJ | $329,000 | $1,021 | $730 | $1,400 | $670 |