Gavop's guide to buying homeowners insurance in Lodi, 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 | $105,500 | $100,000 | $100,000-$125,000 |
| 2 Bedroom | $191,500 | $160,000 | $200,000-$250,000 |
| 3 Bedroom | $390,000 | $370,000 | $400,000-$500,000 |
| 4 Bedroom | $417,000 | $340,000 | $300,000-$350,000 |
| 5 Bedroom | $302,500 | $280,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$77 | $776 |
| Home and Two Car | -$136 | $716 |
| Home and Three Car | -$196 | $656 |
| 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 |
| Bergen County | $1,500 | $1,332 | $2,832 | $968 | $2,468 | $364 |
| Lodi, NJ | $1,500 | $842 | $2,342 | $612 | $2,112 | $230 |
| Alpine, NJ | $500 | $875 | $1,375 | $636 | $1,136 | $239 |
| New Providence, NJ | $1,500 | $1,024 | $2,524 | $744 | $2,244 | $280 |
| North Hills, NY | $400 | $837 | $1,237 | $608 | $1,008 | $229 |
| Crugers, NY | $1,500 | $1,897 | $3,397 | $1,379 | $2,879 | $518 |
| Stony Point, NY | $200 | $916 | $1,116 | $665 | $865 | $250 |
| Woodbury, NY | $700 | $865 | $1,565 | $628 | $1,328 | $236 |
| Oceanport, NJ | $200 | $1,021 | $1,221 | $742 | $942 | $279 |
| Pleasant Plains, NJ | $2,000 | $1,860 | $3,860 | $1,352 | $3,352 | $508 |
| Fishkill, NY | $400 | $783 | $1,183 | $569 | $969 | $214 |
| East Amwell, NJ | $2,000 | $1,253 | $3,253 | $910 | $2,910 | $342 |
| Home Insurance Company Lodi, NJ | Homeowners Insurance Agency Lodi, NJ | Address | Popularity Score | Distance from Lodi (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | A. C. Marmo & Sons Inc. | 350 Passaic Ave, Fairfield, NJ, 7004 | 10.0 | |
| Liberty Mutual Independent | Otterstedt Agency | 540 Sylvan Ave, Englewood Cliffs, NJ, 7632 | 7.0 | |
| State Farm | Ellen Nita | 33 State Rd Ste A1, Princeton, NJ, 08540-1304 | 46.8 | |
| Farmers | Lillyanne Park | 84 E Ridgewood Ave Ste 203, Ridgewood, NJ, 7450 | 7.3 | |
| Allstate | Robert Bakelaar | 600 Valley Rd Ste 102, Wayne, NJ, 7470 | 8.5 | |
| State Farm | Dan Desimone | 105 N Dean St Ste 1, Englewood, NJ, 07631-2813 | 5.9 | |
| Travelers | Cerra Insurance Agency | 272 Highway 34, Matawan, NJ, 7747 | 32.9 | |
| State Farm | Gerard Ciraulo | 458 Hamburg Tpke, Wayne, NJ, 07470-8439 | 8.5 | |
| State Farm | Jim Bush | 237 W Midland Ave, Paramus, NJ, 07652-1830 | 5.7 | |
| State Farm | Bob Testa | 381 Main St, Hackensack, NJ, 07601-5806 | 2.4 |
| 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 | $740 | $1,550 | $810 |
| Bergen County, NJ | $451,200 | $1,348 | $900 | $1,910 | $1,010 |
| Lodi, NJ | $369,800 | $852 | $570 | $1,170 | $600 |
| Alpine, NJ | $2,000,001 | $885 | $640 | $1,250 | $610 |
| New Providence, NJ | $583,200 | $1,037 | $720 | $1,480 | $760 |
| North Hills, NY | $979,500 | $847 | $600 | $1,160 | $560 |
| Crugers, NY | $415,100 | $1,920 | $1,360 | $2,730 | $1,370 |
| Stony Point, NY | $371,300 | $927 | $640 | $1,330 | $690 |
| Woodbury, NY | $305,500 | $875 | $620 | $1,230 | $610 |
| Oceanport, NJ | $441,600 | $1,034 | $690 | $1,420 | $730 |
| Pleasant Plains, NJ | $575,400 | $1,883 | $1,370 | $2,580 | $1,210 |
| Fishkill, NY | $283,400 | $793 | $540 | $1,120 | $580 |
| East Amwell, NJ | $392,800 | $1,268 | $870 | $1,790 | $920 |