Gavop's guide to buying homeowners insurance in Morris 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 | $128,000 | $110,000 | $100,000-$125,000 |
| 2 Bedroom | $340,500 | $320,000 | $250,000-$300,000 |
| 3 Bedroom | $267,000 | $240,000 | $250,000-$300,000 |
| 4 Bedroom | $503,500 | $430,000 | $500,000-$600,000 |
| 5 Bedroom | $892,000 | $810,000 | $700,000-$800,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$88 | $891 |
| Home and Two Car | -$166 | $813 |
| Home and Three Car | -$245 | $734 |
| 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 | $1,500 | $1,279 | $2,779 | $929 | $2,429 | $349 |
| Morris Plains, NJ | $1,500 | $967 | $2,467 | $703 | $2,203 | $264 |
| Essex County, NJ | $300 | $1,082 | $1,382 | $787 | $1,087 | $296 |
| City of Orange, NJ | $700 | $746 | $1,446 | $542 | $1,242 | $204 |
| Finderne, NJ | $200 | $847 | $1,047 | $616 | $816 | $232 |
| Branchburg, NJ | $2,000 | $966 | $2,966 | $702 | $2,702 | $264 |
| Strathmore, NJ | $200 | $827 | $1,027 | $601 | $801 | $226 |
| Stroudsburg, PA | $700 | $656 | $1,356 | $477 | $1,177 | $179 |
| Shrewsbury, NJ | $400 | $1,753 | $2,153 | $1,274 | $1,674 | $479 |
| North Hills, NY | $2,500 | $837 | $3,337 | $608 | $3,108 | $229 |
| Woodsburgh, NY | $400 | $637 | $1,037 | $463 | $863 | $174 |
| Plumstead, PA | $1,500 | $958 | $2,458 | $696 | $2,196 | $262 |
| Home Insurance Company Morris Plains, NJ | Homeowners Insurance Agency Morris Plains, NJ | Address | Popularity Score | Distance from Morris Plains (miles) |
|---|---|---|---|---|
| State Farm | Teanice Wells-Ernest | 125 S Warren Street, Trenton, NJ, 08608-2303 | 45.6 | |
| State Farm | Sergio Bio | 25 Hawthorne Ave, Park Ridge, NJ, 07656-1212 | 26.5 | |
| Travelers | Benson Thomson Agency Inc | 15 North Morris Street, Dover, NJ, 7801 | 5.4 | |
| State Farm | Chip Ott | 164 Main St, Chatham, NJ, 07928-2419 | 8.6 | |
| Travelers | Sas Insurance Agency Inc | 233 Kearny Ave, Kearny, NJ, 7032 | 17.8 | |
| Liberty Mutual Independent | Ficke & Associates Inc | 271 Us Highway 46, Fairfield, NJ, 7004 | 9.4 | |
| Travelers | Barry Paul Rose Agency | 24 Robinhood Ln, Chatham, NJ, 7928 | 8.1 | |
| State Farm | Lenny Barone | 271 Route 46 W Ste F201, Fairfield, NJ, 07004-2448 | 9.4 | |
| State Farm | Roy Bumiller | 1220 Route 46 Ste 1, Parsippany, NJ, 07054-2160 | 4.6 | |
| State Farm | Mike Petronella | 104 S Livingston Ave, Livingston, NJ, 07039-3009 | 9.0 |
| 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 | $1,550 | $760 |
| Morris County, NJ | $438,100 | $1,294 | $930 | $1,770 | $840 |
| Morris Plains, NJ | $492,000 | $979 | $700 | $1,340 | $640 |
| Essex County, NJ | $362,300 | $1,096 | $740 | $1,540 | $800 |
| City of Orange, NJ | $222,800 | $755 | $540 | $1,040 | $500 |
| Finderne, NJ | $290,700 | $858 | $620 | $1,170 | $550 |
| Branchburg, NJ | $464,300 | $978 | $660 | $1,380 | $720 |
| Strathmore, NJ | $361,900 | $837 | $600 | $1,200 | $600 |
| Stroudsburg, PA | $154,100 | $664 | $440 | $940 | $500 |
| Shrewsbury, NJ | $530,100 | $1,774 | $1,210 | $2,520 | $1,310 |
| North Hills, NY | $979,500 | $847 | $610 | $1,200 | $590 |
| Woodsburgh, NY | $932,700 | $644 | $440 | $890 | $450 |
| Plumstead, PA | $406,400 | $970 | $670 | $1,340 | $670 |