Gavop's guide to buying homeowners insurance in Ridgefield, 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.
| Ridgefield, NJ - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Virgil Ave, Englehardt Ter, Oakwood Ln, Shaler Blvd, Pleasantview Ter, Mayer Ct, Bruce St, Edgewater Ave, Dwight Pl, Meuter Pl | $522,000 | $460,000 | $500,000-$600,000 | $603,000 | $570,000 | $500,000-$600,000 |
| Pembroke Way, Hoyt Ave, Stewart St, Pleasantview Ter, Abbott Ave, Ridgefield Ter, Bell Dr, Pembroke Ln, Fairview Ter, Grand Ridge Dr | $230,000 | $200,000 | $200,000-$250,000 | $257,500 | $230,000 | $200,000-$250,000 |
| Nelson Ave, Bernard Pl, Edgewater Ave W, Howard Pl, Sketch Pl, Charlotte Ter, Bagley Pl, Hendricks Cswy, Studio Rd, Delalla Ter | $460,500 | $400,000 | $350,000-$400,000 | $655,000 | $570,000 | $600,000-$700,000 |
| H Ct, Greenmount Ave, Victoria Ter, Edgewater Ave, Lowe Ave, Martling Pl, Kathleen Ct, Victory Ave, Marion Pl, Hillside Ct | $319,000 | $300,000 | $300,000-$350,000 | $542,500 | $440,000 | $500,000-$600,000 |
| Ray Ave, Van Courtland Pl, Carpenter Pl, Monroe Pl, Chateau Rd, Elite Ct, Lawton Ave, Art Ln, Ravenhill Pl, Shetland Ln | $376,000 | $320,000 | $300,000-$350,000 | $401,500 | $340,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$200 | $852 |
| Superior Protection Discount | -$105 | $946 |
| Fire & Security Discount | -$105 | $946 |
| Hail Resistant Roof Discount | -$21 | $1,031 |
| Newly Constructed Home Discount | -$210 | $841 |
| 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 | $1,000 | $1,332 | $2,332 | $968 | $1,968 | $364 |
| Ridgefield, NJ | $2,000 | $1,039 | $3,039 | $755 | $2,755 | $284 |
| Ridgefield Park, NJ | $100 | $1,080 | $1,180 | $785 | $885 | $295 |
| Closter, NJ | $1,500 | $1,077 | $2,577 | $783 | $2,283 | $294 |
| Great Neck Plaza, NY | $100 | $999 | $1,099 | $726 | $826 | $273 |
| East Hills, NY | $2,500 | $845 | $3,345 | $614 | $3,114 | $231 |
| Rahway, NJ | $300 | $806 | $1,106 | $586 | $886 | $220 |
| Island Park, NY | $1,000 | $1,603 | $2,603 | $1,165 | $2,165 | $438 |
| Wantagh, NY | $500 | $836 | $1,336 | $608 | $1,108 | $229 |
| Green Brook, NJ | $2,000 | $1,024 | $3,024 | $744 | $2,744 | $280 |
| Somerset, NJ | $300 | $872 | $1,172 | $634 | $934 | $238 |
| Roosevelt, NJ | $1,500 | $993 | $2,493 | $722 | $2,222 | $271 |
| Home Insurance Company Ridgefield, NJ | Homeowners Insurance Agency Ridgefield, NJ | Address | Popularity Score | Distance from Ridgefield (miles) |
|---|---|---|---|---|
| Travelers | Otterstedt Agency | 540 Sylvan Ave, Englewood Cliffs, NJ, 7632 | 4.9 | |
| Allstate | Richard Moller | 285 County Rd Ste B, Tenafly, NJ, 7670 | 7.6 | |
| State Farm | Lori Desimone Ramil | 105 N Dean St, Englewood, NJ, 07631-2813 | 5.0 | |
| Farmers | Charles Trautman | 58 Maple Ave, Morristown, NJ, 7960 | 24.5 | |
| Travelers | Lichtenberger Agency Llc | One Harmon Plaza Second Floor, Secaucus, NJ, 7094 | 3.9 | |
| State Farm | Michael Bush | 1293 Broad St Ste 3, Bloomfield, NJ, 07003-3060 | 8.7 | |
| Liberty Mutual Independent | The Maccormack Agency | 55 Flanagan Way, Secaucus, NJ, 7094 | 3.6 | |
| Travelers | Ringler Insurance Agency Inc | 2225 Morris Ave, Union, NJ, 7083 | 16.7 | |
| Travelers | Chibbaro Bros Central Jersey Group | 1151 Broad St Ste 218, Shrewsbury, NJ, 8902 | 35.9 | |
| State Farm | Thomas Tobin | 1033 Clifton Ave Ste 208, Clifton, NJ, 07013-3517 | 8.1 |
| 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 | $740 | $1,490 | $750 |
| Bergen County, NJ | $451,200 | $1,348 | $900 | $1,900 | $1,000 |
| Ridgefield, NJ | $447,300 | $1,052 | $730 | $1,480 | $750 |
| Ridgefield Park, NJ | $326,700 | $1,093 | $750 | $1,500 | $750 |
| Closter, NJ | $625,700 | $1,090 | $750 | $1,540 | $790 |
| Great Neck Plaza, NY | $338,900 | $1,011 | $690 | $1,430 | $740 |
| East Hills, NY | $970,100 | $856 | $620 | $1,170 | $550 |
| Rahway, NJ | $263,200 | $816 | $600 | $1,170 | $570 |
| Island Park, NY | $370,900 | $1,622 | $1,150 | $2,320 | $1,170 |
| Wantagh, NY | $479,400 | $847 | $570 | $1,160 | $590 |
| Green Brook, NJ | $442,600 | $1,037 | $760 | $1,480 | $720 |
| Somerset, NJ | $306,400 | $883 | $630 | $1,220 | $590 |
| Roosevelt, NJ | $282,300 | $1,005 | $680 | $1,430 | $750 |