Gavop tells you how to get the best homeowners insurance in Berkeley Heights, NJ by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $159,000 | $150,000 | $175,000-$200,000 |
| 2 Bedroom | $405,500 | $340,000 | $400,000-$500,000 |
| 3 Bedroom | $462,000 | $390,000 | $400,000-$500,000 |
| 4 Bedroom | $764,500 | $650,000 | $700,000-$800,000 |
| 5 Bedroom | $708,000 | $600,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $906 |
| Superior Protection Discount | -$107 | $959 |
| Fire & Security Discount | -$96 | $970 |
| Hail Resistant Roof Discount | -$21 | $1,045 |
| Newly Constructed Home Discount | -$235 | $831 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,088 |
| Hail Damage | $5,587 |
| Wind Damage | $9,515 |
| Expensive Claims | |
| Fire | $37,492 |
| Accidental Discharge/Leakage | $8,194 |
| Optional Coverage Losses | $8,320 |
| Home Insurance Company Berkeley Heights, NJ | Homeowners Insurance Agency Berkeley Heights, NJ | Address | Popularity Score | Distance from Berkeley Heights (miles) |
|---|---|---|---|---|
| State Farm | Peter Romeo | 1429 Us Highway 22, Mountainside, NJ, 07092-2406 | 3.5 | |
| Allstate | Neil H. Greco | 25 W Northfield Rd, Livingston, NJ, 7039 | 8.6 | |
| Allstate | Walter Erhardt | 268 Route 202 N, Flemington, NJ, 8822 | 25.9 | |
| Travelers | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 9.7 | |
| State Farm | Mary Comito | 340 Main St Ste 7, Madison, NJ, 07940-2363 | 5.1 | |
| Travelers | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 9.7 | |
| Travelers | Kennedy & Ward Insurance Agency | 1 Industrial Way W Bldg A Ste J, Eatontown, NJ, 7724 | 34.1 | |
| Allstate | Greg Adamo - Adamo Financial Agency | 135 Main St, Madison, NJ, 7940 | 5.6 | |
| Travelers | Dale Group Inc | 30-A Vreeland Rd Ste 120 Florham Park, Florham Park, NJ, 7932 | 8.1 | |
| State Farm | Jodi Schoenlank | 1941 Oak Tree Rd Ste 103, Edison, NJ, 08820-2069 | 7.7 |
| 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 | $1,500 | $710 |
| Union County, NJ | $351,800 | $1,070 | $760 | $1,480 | $720 |
| Berkeley Heights, NJ | $606,600 | $1,066 | $710 | $1,460 | $750 |
| Livingston, NJ | $599,100 | $1,057 | $730 | $1,510 | $780 |
| Aberdeen, NJ | $313,700 | $895 | $640 | $1,240 | $600 |
| Jefferson, NJ | $327,300 | $919 | $620 | $1,310 | $690 |
| Cliffside Park, NJ | $432,200 | $1,005 | $720 | $1,420 | $700 |
| Clearbrook Park, NJ | $158,300 | $765 | $540 | $1,090 | $550 |
| Oakhurst, NJ | $372,900 | $1,207 | $860 | $1,730 | $870 |
| Lynbrook, NY | $426,800 | $1,091 | $770 | $1,490 | $720 |
| North Lynbrook, NY | $436,400 | $2,070 | $1,490 | $2,880 | $1,390 |
| Sea Cliff, NY | $658,000 | $847 | $570 | $1,180 | $610 |
| Baldwin Harbor, NY | $400,200 | $990 | $660 | $1,380 | $720 |