Gavop shows you how to buy homeowners insurance in Middlesex, NJ by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $103,000 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $238,000 | $220,000 | $250,000-$300,000 |
| 3 Bedroom | $339,500 | $290,000 | $300,000-$350,000 |
| 4 Bedroom | $463,000 | $410,000 | $350,000-$400,000 |
| 5 Bedroom | $585,000 | $530,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$138 | $724 |
| Superior Protection Discount | -$78 | $784 |
| Fire & Security Discount | -$95 | $767 |
| Hail Resistant Roof Discount | -$17 | $845 |
| Newly Constructed Home Discount | -$224 | $638 |
| 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 |
| Middlesex County | $1,500 | $1,009 | $2,509 | $733 | $2,233 | $276 |
| Middlesex, NJ | $700 | $851 | $1,551 | $619 | $1,319 | $233 |
| Mine Hill, NJ | $2,000 | $997 | $2,997 | $724 | $2,724 | $272 |
| Port Monmouth, NJ | $300 | $1,006 | $1,306 | $731 | $1,031 | $275 |
| Hamilton, NJ | $1,000 | $890 | $1,890 | $647 | $1,647 | $243 |
| Kingwood, NJ | $400 | $1,307 | $1,707 | $950 | $1,350 | $357 |
| Bridgeton, PA | $1,500 | $1,105 | $2,605 | $803 | $2,303 | $302 |
| Passaic County, NJ | $500 | $1,017 | $1,517 | $739 | $1,239 | $278 |
| Teaneck, NJ | $2,000 | $1,154 | $3,154 | $839 | $2,839 | $315 |
| Greenvale, NY | $500 | $2,677 | $3,177 | $1,946 | $2,446 | $732 |
| Home Insurance Company Middlesex, NJ | Homeowners Insurance Agency Middlesex, NJ | Address | Popularity Score | Distance from Middlesex (miles) |
|---|---|---|---|---|
| Allstate | Neil Greco | 12 Eisenhower Pkwy Ste 11, Roseland, NJ, 7068 | 19.0 | |
| Farmers | Sandra Andrade | 231 Elmer St, Westfield, NJ, 7090 | 9.7 | |
| State Farm | Paul Spera | 255 Old New Brnswk Rd, Piscataway, NJ, 08854-3734 | 2.0 | |
| Liberty Mutual Independent | Johl & Company | 199 Center Ave, Westwood, NJ, 7675 | 37.8 | |
| State Farm | Jim Malay | 915 County Road 517, Hackettstown, NJ, 07840-4683 | 26.7 | |
| Allstate | Eric Roos | 32 Lyons Mall, Basking Ridge, NJ, 7920 | 8.0 | |
| Farmers | Jayme Vinas | 110 4th St, Plainfield, NJ, 7061 | 5.0 | |
| State Farm | Jodi Schoenlank | 1941 Oak Tree Rd Ste 103, Edison, NJ, 08820-2069 | 7.0 | |
| Travelers | Ray Eggers Agency | 208 Milton Ave, Rahway, NJ, 7065 | 11.6 | |
| Allstate | John Cote | 228 Ridgedale Ave, Cedar Knolls, NJ, 7927 | 16.3 |
| 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 | $1,550 | $800 |
| Middlesex County, NJ | $329,000 | $1,021 | $690 | $1,400 | $710 |
| Middlesex, NJ | $293,700 | $862 | $590 | $1,220 | $630 |
| Mine Hill, NJ | $284,400 | $1,009 | $730 | $1,430 | $700 |
| Port Monmouth, NJ | $289,000 | $1,018 | $690 | $1,440 | $750 |
| Hamilton, NJ | $244,300 | $900 | $610 | $1,240 | $630 |
| Kingwood, NJ | $409,100 | $1,323 | $940 | $1,870 | $930 |
| Bridgeton, PA | $341,900 | $1,118 | $750 | $1,540 | $790 |
| Passaic County, NJ | $333,200 | $1,030 | $700 | $1,460 | $760 |
| Teaneck, NJ | $389,000 | $1,168 | $810 | $1,600 | $790 |
| Greenvale, NY | $603,700 | $2,710 | $1,840 | $3,880 | $2,040 |