Gavop's guide to buying homeowners insurance in Mystic Island, 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$205 | $501 |
| 30 year old | +$11 | $716 |
| 40 year old | +$18 | $724 |
| 50 year old | +$27 | $732 |
| Above 50 year old | +$34 | $739 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $593 |
| Superior Protection Discount | -$64 | $642 |
| Fire & Security Discount | -$56 | $649 |
| Hail Resistant Roof Discount | -$14 | $691 |
| Newly Constructed Home Discount | -$191 | $515 |
| 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 |
| Ocean County | $2,500 | $929 | $3,429 | $675 | $3,175 | $254 |
| Mystic Island, NJ | $1,500 | $697 | $2,197 | $507 | $2,007 | $191 |
| Manahawkin, NJ | $300 | $1,029 | $1,329 | $747 | $1,047 | $281 |
| Linwood, NJ | $1,500 | $839 | $2,339 | $610 | $2,110 | $229 |
| Maurice River, NJ | $500 | $655 | $1,155 | $476 | $976 | $179 |
| Laurel Lake, NJ | $2,000 | $597 | $2,597 | $434 | $2,434 | $163 |
| Pitman, NJ | $200 | $683 | $883 | $496 | $696 | $187 |
| Elk, NJ | $2,500 | $911 | $3,411 | $662 | $3,162 | $249 |
| Gloucester County, NJ | $400 | $846 | $1,246 | $615 | $1,015 | $231 |
| Oaklyn, NJ | $700 | $812 | $1,512 | $590 | $1,290 | $222 |
| Mantua, NJ | $200 | $727 | $927 | $528 | $728 | $199 |
| Fairton, NJ | $1,500 | $686 | $2,186 | $498 | $1,998 | $187 |
| Home Insurance Company Mystic Island, NJ | Homeowners Insurance Agency Mystic Island, NJ | Address | Popularity Score | Distance from Mystic Island (miles) |
|---|---|---|---|---|
| State Farm | Mansa Nicome | 86 State Highway 35, Neptune City, NJ, 7753 | 47.7 | |
| State Farm | Ryan Salonia | 3728 Hwy 9, Howell, NJ, 07731-3346 | 41.5 | |
| Travelers | M & C Insurance Agency Inc | 6825 Westfield Ave Stes A &Amp B, Pennsauken, NJ, 8110 | 45.4 | |
| Travelers | Insurance Agencies Inc | 1601 New Rd Ste 100, Northfield, NJ, 8225 | 16.4 | |
| Travelers | Sia Insurance Services | 1442 Lakewood Rd, Manasquan, NJ, 8736 | 41.5 | |
| State Farm | Teanice Wells-Ernest | 125 S Warren Street, Trenton, NJ, 08608-2303 | 49.5 | |
| Travelers | Kollman Group | 2021 Rte 9 Unite 5, Linwood, NJ, 8221 | 18.3 | |
| Liberty Mutual Independent | A D Martin Commercial Insurance Services | 32 S Main St, Mullica Hill, NJ, 8062 | 46.4 | |
| Allstate | Michael Dillon | 5429 Harding Hwy, Mays Landing, NJ, 8330 | 19.4 | |
| Allstate | Richard Romero | 843 Hwy 33 Ste 4, Freehold, NJ, 7728 | 46.8 |
| 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 | $740 | $1,500 | $760 |
| Ocean County, NJ | $267,900 | $940 | $640 | $1,290 | $650 |
| Mystic Island, NJ | $192,200 | $706 | $470 | $990 | $520 |
| Manahawkin, NJ | $301,100 | $1,041 | $760 | $1,480 | $720 |
| Linwood, NJ | $285,300 | $849 | $590 | $1,200 | $610 |
| Maurice River, NJ | $168,400 | $663 | $470 | $940 | $470 |
| Laurel Lake, NJ | $103,200 | $604 | $420 | $830 | $410 |
| Pitman, NJ | $183,900 | $691 | $490 | $970 | $480 |
| Elk, NJ | $235,200 | $922 | $620 | $1,270 | $650 |
| Gloucester County, NJ | $213,800 | $857 | $570 | $1,220 | $650 |
| Oaklyn, NJ | $183,600 | $822 | $560 | $1,130 | $570 |
| Mantua, NJ | $210,200 | $736 | $490 | $1,020 | $530 |
| Fairton, NJ | $131,700 | $694 | $460 | $960 | $500 |