Gavop's guide to buying homeowners insurance in Scotch Plains, 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 | $165,500 | $150,000 | $150,000-$175,000 |
| 2 Bedroom | $253,500 | $230,000 | $250,000-$300,000 |
| 3 Bedroom | $635,500 | $560,000 | $500,000-$600,000 |
| 4 Bedroom | $691,500 | $560,000 | $800,000-$900,000 |
| 5 Bedroom | $900,000 | $730,000 | $900,000-$1,000,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$76 | $868 |
| Home and Two Car | -$151 | $793 |
| Home and Three Car | -$236 | $708 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,488 |
| Hail Damage | $4,806 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $17,556 |
| Home Insurance Company Scotch Plains, NJ | Homeowners Insurance Agency Scotch Plains, NJ | Address | Popularity Score | Distance from Scotch Plains (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | American Insurance Services | 1129 Raritan Rd, Clark, NJ, 7066 | 3.2 | |
| State Farm | Debbie Weiss | 900 Coventry Dr, Phillipsburg, NJ, 08865-1974 | 42.2 | |
| Allstate | Sameh Wahba | 64 E Ridgewood Ave, Paramus, NJ, 7652 | 27.9 | |
| Travelers | Fraser Brothers Group Llc | 811 Amboy Ave, Edison, NJ, 8837 | 7.4 | |
| Farmers | Jayme Vinas | 110 4th St, Plainfield, NJ, 7061 | 2.8 | |
| State Farm | Jodi Schoenlank | 1941 Oak Tree Rd Ste 103, Edison, NJ, 08820-2069 | 4.1 | |
| State Farm | Chip Ott | 164 Main St, Chatham, NJ, 07928-2419 | 7.4 | |
| Travelers | Max Safrin Agency Inc | 2266 Springfiield Ave, Vauxhall, NJ, 7088 | 7.6 | |
| Travelers | 1st Financial Insurance Agency Inc | 2040 Millburn Ave Ste 404, Maplewood, NJ, 7040 | 7.8 | |
| Allstate | Ronald Murtha | 514 Centennial Ave, Cranford, NJ, 7016 | 4.4 |
| 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 | $1,480 | $710 |
| Union County, NJ | $351,800 | $1,070 | $780 | $1,520 | $740 |
| Scotch Plains, NJ | $481,500 | $944 | $630 | $1,310 | $680 |
| South Amboy, NJ | $278,900 | $839 | $600 | $1,200 | $600 |
| Holmdel, NJ | $644,700 | $1,113 | $750 | $1,550 | $800 |
| Paramus, NJ | $574,600 | $1,025 | $700 | $1,400 | $700 |
| Hunterdon County, NJ | $393,800 | $1,182 | $860 | $1,670 | $810 |
| Eatontown, NJ | $329,800 | $924 | $640 | $1,300 | $660 |
| Bellerose Terrace, NY | $398,200 | $1,803 | $1,280 | $2,580 | $1,300 |
| Oxford, NJ | $210,800 | $877 | $620 | $1,210 | $590 |
| Sands Point, NY | $2,000,001 | $1,048 | $700 | $1,500 | $800 |
| Martins Creek, PA | $207,400 | $813 | $550 | $1,120 | $570 |
| South Toms River, NJ | $186,700 | $829 | $560 | $1,180 | $620 |