Gavop's guide to buying homeowners insurance in Ocean County, 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 | $104,000 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $278,500 | $240,000 | $300,000-$350,000 |
| 3 Bedroom | $278,500 | $230,000 | $200,000-$250,000 |
| 4 Bedroom | $326,500 | $300,000 | $300,000-$350,000 |
| 5 Bedroom | $257,500 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $799 |
| Superior Protection Discount | -$94 | $846 |
| Fire & Security Discount | -$75 | $865 |
| Hail Resistant Roof Discount | -$19 | $921 |
| Newly Constructed Home Discount | -$273 | $667 |
| 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 | $1,000 | $929 | $1,929 | $675 | $1,675 | $254 |
| Ocean County, NJ | $2,000 | $929 | $2,929 | $675 | $2,675 | $254 |
| New Hanover, NJ | $200 | $764 | $964 | $555 | $755 | $209 |
| Westampton, NJ | $1,500 | $769 | $2,269 | $558 | $2,058 | $210 |
| White Horse, NJ | $200 | $759 | $959 | $552 | $752 | $208 |
| Voorhees, NJ | $700 | $876 | $1,576 | $637 | $1,337 | $240 |
| Brownville, NJ | $400 | $969 | $1,369 | $704 | $1,104 | $265 |
| Strathmore, NJ | $1,000 | $827 | $1,827 | $601 | $1,601 | $226 |
| Ashland, NJ | $200 | $749 | $949 | $545 | $745 | $205 |
| Newfield, NJ | $1,500 | $838 | $2,338 | $609 | $2,109 | $229 |
| Skillman, NJ | $100 | $1,771 | $1,871 | $1,287 | $1,387 | $484 |
| Elk, NJ | $1,000 | $911 | $1,911 | $662 | $1,662 | $249 |
| Home Insurance Company Ocean County, NJ | Homeowners Insurance Agency Ocean County, NJ | Address | Popularity Score | Distance from Ocean County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Rue Insurance | 3812 Quakerbridge Rd, Hamilton, NJ, 8619 | 35.3 | |
| Allstate | Kevin Garcia | 843 Rahway Ave, Woodbridge, NJ, 7095 | 48.6 | |
| Travelers | John Hill Agency | 635 Route 9, Bayville, NJ, 8721 | 6.0 | |
| Allstate | Brian Fisher | 1016 Rte 34 Ste 5, Matawan, NJ, 7747 | 37.2 | |
| Liberty Mutual Independent | Daven Agency Inc | 266 State Route 34, Matawan, NJ, 7747 | 38.6 | |
| Travelers | I And E Insurance Agency | 2900 Route 88, Point Pleasant, NJ, 8742 | 17.6 | |
| State Farm | Andy Weinstein | 665 Bennetts Mills Rd, Jackson, NJ, 08527-3854 | 17.8 | |
| Allstate | Dolly Wasielewski | 1258 Route 166 Ste A, Toms River, NJ, 8753 | 8.6 | |
| Travelers | Brouwer Hansen & Izdebski Associates | 240 Main St, Toms River, NJ, 8753 | 7.0 | |
| Liberty Mutual Independent | Volk Insurance Group Llc | 440 S Main St, Milltown, NJ, 8850 | 40.6 |
| 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 | $750 | $1,490 | $740 |
| Ocean County, NJ | $267,900 | $940 | $630 | $1,310 | $680 |
| Ocean County, NJ | $267,900 | $940 | $690 | $1,330 | $640 |
| New Hanover, NJ | $234,600 | $774 | $530 | $1,060 | $530 |
| Westampton, NJ | $237,900 | $778 | $570 | $1,100 | $530 |
| White Horse, NJ | $231,600 | $769 | $560 | $1,050 | $490 |
| Voorhees, NJ | $308,900 | $887 | $640 | $1,230 | $590 |
| Brownville, NJ | $268,800 | $981 | $670 | $1,390 | $720 |
| Strathmore, NJ | $361,900 | $837 | $570 | $1,180 | $610 |
| Ashland, NJ | $224,800 | $759 | $510 | $1,070 | $560 |
| Newfield, NJ | $195,900 | $848 | $570 | $1,200 | $630 |
| Skillman, NJ | $537,800 | $1,793 | $1,220 | $2,490 | $1,270 |
| Elk, NJ | $235,200 | $922 | $630 | $1,320 | $690 |