How Can I Make My Toms River, NJ Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Toms River, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Toms River, NJ Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $84,500 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $219,000 | $190,000 | $175,000-$200,000 |
| 3 Bedroom | $325,000 | $290,000 | $250,000-$300,000 |
| 4 Bedroom | $364,500 | $300,000 | $250,000-$300,000 |
| 5 Bedroom | $639,000 | $560,000 | $700,000-$800,000 |
Estimate your Savings with Home Insurance Discounts in Toms River, NJ | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$155 | $816 |
| Superior Protection Discount | -$97 | $874 |
| Fire & Security Discount | -$68 | $904 |
| Hail Resistant Roof Discount | -$29 | $942 |
| Newly Constructed Home Discount | -$233 | $738 |
Choose the Right Deductible for your Toms River, NJ Home | Back to Top
| 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 | $700 | $929 | $1,629 | $675 | $1,375 | $254 |
| Toms River, NJ | $1,000 | $960 | $1,960 | $698 | $1,698 | $262 |
| Barnegat, NJ | $200 | $786 | $986 | $571 | $771 | $215 |
| Freehold, NJ | $2,000 | $1,181 | $3,181 | $858 | $2,858 | $323 |
| Lincroft, NJ | $100 | $981 | $1,081 | $713 | $813 | $268 |
| Franklin, NJ | $1,000 | $1,008 | $2,008 | $733 | $1,733 | $275 |
| Langhorne Manor, PA | $300 | $1,195 | $1,495 | $869 | $1,169 | $327 |
| Palmyra, NJ | $1,500 | $664 | $2,164 | $482 | $1,982 | $181 |
| Laurel Springs, NJ | $500 | $795 | $1,295 | $578 | $1,078 | $217 |
| Bayonne, NJ | $1,000 | $981 | $1,981 | $713 | $1,713 | $268 |
| Gloucester, NJ | $200 | $705 | $905 | $513 | $713 | $193 |
| New Hope, PA | $1,000 | $1,858 | $2,858 | $1,351 | $2,351 | $508 |
Identify Top Home Insurance Agents near Toms River, NJ | Back to Top
| Home Insurance Company Toms River, NJ | Homeowners Insurance Agency Toms River, NJ | Address | Popularity Score | Distance from Toms River (miles) |
|---|---|---|---|---|
| State Farm | Dave Johnson | 5010 Hwy 9, Howell, NJ, 07731-3321 | 9.8 | |
| Travelers | Odonnell Agency Llc | 416-418 Centennial Ave, Cranford, NJ, 7016 | 45.5 | |
| Liberty Mutual Independent | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 39.3 | |
| Travelers | Sia Insurance Services | 1442 Lakewood Rd, Manasquan, NJ, 8736 | 9.9 | |
| Travelers | Albert V Jaskol Agency Inc | 467 High Street Suite 100, Burlington, NJ, 8016 | 37.1 | |
| Farmers | Charles Schwartz | 951 Haddonfield Rd Fl 2, Cherry Hill, NJ, 8002 | 46.3 | |
| Allstate | Jewell Lucas | 12 Eagle Plaza, Voorhees, NJ, 8043 | 42.2 | |
| State Farm | Max Smirnov | 1051 Stuyvesant Ave, Union, NJ, 07083-3626 | 48.8 | |
| Allstate | Michael Dillon | 5429 Harding Hwy, Mays Landing, NJ, 8330 | 47.6 | |
| Travelers | Prime Insurance Agency Inc | 960 East County Line Rd, Lakewood, NJ, 8701 | 7.5 |
Compare Rates for Toms River, NJ Home Insurance Providers | Back to Top
| 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 |
| Ocean County, NJ | $267,900 | $940 | $670 | $1,300 | $630 |
| Toms River, NJ | $286,200 | $972 | $670 | $1,340 | $670 |
| Barnegat, NJ | $249,300 | $795 | $580 | $1,130 | $550 |
| Freehold, NJ | $410,300 | $1,195 | $870 | $1,690 | $820 |
| Lincroft, NJ | $495,800 | $993 | $700 | $1,420 | $720 |
| Franklin, NJ | $328,500 | $1,020 | $720 | $1,450 | $730 |
| Langhorne Manor, PA | $369,000 | $1,210 | $880 | $1,710 | $830 |
| Palmyra, NJ | $173,300 | $672 | $460 | $950 | $490 |
| Laurel Springs, NJ | $175,500 | $805 | $540 | $1,140 | $600 |
| Bayonne, NJ | $314,800 | $993 | $710 | $1,380 | $670 |
| Gloucester, NJ | $196,800 | $714 | $510 | $980 | $470 |
| New Hope, PA | $530,800 | $1,881 | $1,350 | $2,650 | $1,300 |
Research Home Insurance Companies Reviews in Toms River, NJ Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 16, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
Their prices and fair and get even better when you bundle 3 or more policies . For what you get it is a outstanding value , their customer service is great .
Date: February 10, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I'm pretty satisfied with the premium and deductible for my policy. It's easy to customize - I have added computer insurance - and I get good discounts for features like alarm systems and sprinkler systems.
Date: October 04, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Website/App
I never use it. I don't need to. My home insurance is escrowed through my mortgage company so it's nothing I ever really think about,
Date: August 10, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
Everything noted above, personal belongings, and that's all I can think of right now.
Date: August 03, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I don't have a lot of experience with their customer service as I've never had to file a claim or contact them on any other matter.
Date: June 01, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I think the premium is right in line with what other carriers would offer me.
GEICO Home Insurance Reviews
Date: July 28, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I only pay 10 bucks a month for 20,000 in coverage. There is a 50 dollar deductible. That is reasonable.
Date: December 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
The home insurance policy covers many important things that could potential happen to your home. The insurance will also not increase the premium too much between claims.
Progressive Home Insurance Reviews
Date: September 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
we have not had any type of issues with our current home insurance company. this is mainly because we have not had any issues arise which would require their assistance.
Allstate Home Insurance Reviews
Date: January 11, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
We are covered on most ends in case of flood, fire, damage. Not worried about much else.
Travelers Home Insurance Reviews
Date: October 23, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Everything within the 4 walls. I live in a condo so the outside is covered by the condo association.
Farmer's Insurance Home Insurance Reviews
Date: January 04, 2020 Age: Above 60 Gender: Female Marital Status: Unmarried
Customer Service
I have moved to farmers insurance a year ago and have never had a need for their service yet. No claims have been filed.