Gavop's guide to buying homeowners insurance in Hardyston, 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.
| Hardyston, NJ - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Tillbrook Ct, Old Quarry Rd, Forest Trl, Wilkey Way, Longview Rd, Ferndale Ln, Fox Trl, Co Rd 661, Rolling Brook Way, Larch Dr | $332,500 | $310,000 | $250,000-$300,000 | $215,000 | $180,000 | $200,000-$250,000 |
| Elm Dr, Exeter Ln, Cypress Ln, Marc Dr, Co Rd 631, Old Prospect Rd, Lake Stockholm Ter, Lyons Ave, Fernwood Ave, Greenhill Rd | $221,500 | $180,000 | $200,000-$250,000 | $151,500 | $130,000 | $125,000-$150,000 |
| Co Rd 673, Walters Ln, Monroe Rd, Quail Ct, Sanford St, Evergreen Dr, Rudetown Rd, Bramble Ct, Campbell Dr, Beaver Lake Rd | $342,000 | $300,000 | $250,000-$300,000 | $244,000 | $200,000 | $200,000-$250,000 |
| Harker Hill Dr, Indian Field Dr, Andre Ct, Scenic Trl, Tamarack Trl, Bracken Hill Rd, Black Oak Trl, Co Rd 625, Beaver Trl, Sundance Ter | $214,000 | $200,000 | $200,000-$250,000 | $299,000 | $260,000 | $250,000-$300,000 |
| Deer Trail Lake Rd, Kristen Ct, Scenic Lake Rd, Woodland Trl, Silver Fox Trl, Maplewood Ln, N Church Rd, Braken Hill Rd, Crestmont Ct, Wind Meadow Trl | $262,000 | $230,000 | $200,000-$250,000 | $209,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $678 |
| Superior Protection Discount | -$73 | $735 |
| Fire & Security Discount | -$89 | $718 |
| Hail Resistant Roof Discount | -$16 | $791 |
| Newly Constructed Home Discount | -$210 | $597 |
| 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 |
| Sussex County | $2,000 | $923 | $2,923 | $671 | $2,671 | $252 |
| Hardyston, NJ | $1,000 | $798 | $1,798 | $580 | $1,580 | $218 |
| Port Jervis, NY | $200 | $611 | $811 | $444 | $644 | $167 |
| Wallkill, NY | $1,000 | $785 | $1,785 | $571 | $1,571 | $215 |
| Passaic, NJ | $300 | $971 | $1,271 | $706 | $1,006 | $265 |
| Washingtonville, NY | $1,000 | $742 | $1,742 | $539 | $1,539 | $203 |
| Masthope, PA | $2,500 | $911 | $3,411 | $662 | $3,162 | $249 |
| Union City, NJ | $300 | $978 | $1,278 | $711 | $1,011 | $267 |
| Weston, NJ | $2,500 | $1,337 | $3,837 | $971 | $3,471 | $365 |
| The Hideout, PA | $200 | $737 | $937 | $536 | $736 | $201 |
| Byram, CT | $2,000 | $2,306 | $4,306 | $1,676 | $3,676 | $630 |
| Home Insurance Company Hardyston, NJ | Homeowners Insurance Agency Hardyston, NJ | Address | Popularity Score | Distance from Hardyston (miles) |
|---|---|---|---|---|
| Allstate | Dave Gansfuss | 32 Walmart Plz, Clinton, NJ, 8809 | 38.8 | |
| Allstate | Richard Caivano | 400 Ramapo Valley Rd, Oakland, NJ, 7436 | 18.1 | |
| State Farm | Alex Aguado | 160 Woodport Rd Ste 1a, Sparta, NJ, 07871-2328 | 7.4 | |
| Farmers | Leslie Lassen | 1915 Morris Ave Fl 2, Union, NJ, 7083 | 33.3 | |
| Travelers | Dale Group Inc | 30-A Vreeland Rd Ste 120 Florham Park, Florham Park, NJ, 7932 | 25.3 | |
| Allstate | R Terri Crincoli | 41 Preakness Shopping Ctr, Wayne, NJ, 7470 | 19.8 | |
| Travelers | Middleton & Company | 186 Halsey Rd, Newton, NJ, 7860 | 9.0 | |
| State Farm | Daryl Laglia | 145 Main St, Hackensack, NJ, 07601-8107 | 31.8 | |
| Travelers | Drp Insurance Associates Inc | 535 Ave , Harrison, NJ, 7029 | 33.6 | |
| State Farm | Kyle Hamer | 3672 Route 94, Hamburg, NJ, 7419 | 3.1 |
| 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 | $1,520 | $730 |
| Sussex County, NJ | $264,100 | $934 | $670 | $1,340 | $670 |
| Hardyston, NJ | $257,600 | $807 | $570 | $1,150 | $580 |
| Port Jervis, NY | $160,800 | $618 | $440 | $870 | $430 |
| Wallkill, NY | $247,400 | $795 | $550 | $1,090 | $540 |
| Passaic, NJ | $309,700 | $983 | $700 | $1,370 | $670 |
| Washingtonville, NY | $234,800 | $751 | $500 | $1,060 | $560 |
| Masthope, PA | $264,900 | $922 | $670 | $1,300 | $630 |
| Union City, NJ | $296,200 | $990 | $680 | $1,360 | $680 |
| Weston, NJ | $417,200 | $1,353 | $910 | $1,850 | $940 |
| The Hideout, PA | $171,200 | $746 | $530 | $1,070 | $540 |
| Byram, CT | $640,100 | $2,334 | $1,610 | $3,340 | $1,730 |