Gavop's guide to buying homeowners insurance in Emerson, 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.
| Emerson, NJ - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Sycamore Ave, Groesbeck Ct, Bolling St, Greta Pl, 4th Ave, Walnut Ave, Haines St, Nimando Pl, Arthur Ave, Wortendyke Ave | $443,000 | $390,000 | $350,000-$400,000 | $437,000 | $410,000 | $400,000-$500,000 |
| Hasbrouck Ave, Patrick Ave, Pasack Ave, Vivian Ave, Robyn Ct, Fourth St, Mitchell St, Soldier Hill Rd, Marianna Pl, Municipal Plz | $289,500 | $270,000 | $300,000-$350,000 | $561,500 | $500,000 | $600,000-$700,000 |
| Powell Rd, Spruce Ave, Alma Ave, Blair Pl, Summer St, Congress Rd, Grand Blvd, Pine Dr, Remington St, Alan Rd | $323,500 | $280,000 | $300,000-$350,000 | $517,000 | $420,000 | $500,000-$600,000 |
| Emerson Plz W, Holliwood Ave, Parker Dr, Franklin Ct, Scott Ct, Pascack Ave, Dawn Dr, E Ackerman Ave, Revere Ave, Lozier Ave | $293,500 | $260,000 | $250,000-$300,000 | $622,500 | $520,000 | $500,000-$600,000 |
| Longview Dr, Lewis Ave, Adams Ct, Jordan Rd, Blair Ct, Allison Way, Auricchio Ave, Summer Ct, Ridge Ter, Linda Pl | $307,000 | $260,000 | $250,000-$300,000 | $455,500 | $370,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$88 | $894 |
| Home and Two Car | -$157 | $825 |
| Home and Three Car | -$246 | $737 |
| 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 |
| Emerson, NJ | $2,000 | $970 | $2,970 | $705 | $2,705 | $265 |
| Livingston, NJ | $500 | $1,044 | $1,544 | $759 | $1,259 | $285 |
| Jericho, NY | $700 | $852 | $1,552 | $619 | $1,319 | $233 |
| Firthcliffe, NY | $400 | $1,103 | $1,503 | $801 | $1,201 | $301 |
| Piscataway, NJ | $2,500 | $973 | $3,473 | $707 | $3,207 | $266 |
| Patterson, NY | $200 | $930 | $1,130 | $676 | $876 | $254 |
| Bethel, CT | $1,000 | $1,001 | $2,001 | $727 | $1,727 | $274 |
| Crandon Lakes, NJ | $300 | $877 | $1,177 | $638 | $938 | $240 |
| Crawford, NY | $2,500 | $885 | $3,385 | $643 | $3,143 | $242 |
| Pine Bush, NY | $500 | $777 | $1,277 | $564 | $1,064 | $212 |
| Yorketown, NJ | $1,500 | $993 | $2,493 | $721 | $2,221 | $271 |
| Home Insurance Company Emerson, NJ | Homeowners Insurance Agency Emerson, NJ | Address | Popularity Score | Distance from Emerson (miles) |
|---|---|---|---|---|
| State Farm | Anna Kim | 304 Harrington Ave Ste 2a, Closter, NJ, 07624-1902 | 3.1 | |
| Allstate | Berk Demirbulakli | 706 Rt 15 South St 109, Lake Hopatcong, NJ, 7849 | 30.0 | |
| Travelers | E A Boniakowski Agency Inc | 929 N Washington Ave, Green Brook, NJ, 8812 | 35.0 | |
| State Farm | Ed Vannelli | 166 Fairview Ave Ste A, Westwood, NJ, 07675-2279 | 1.2 | |
| Allstate | Nick Fuccilli | 18a E Prospect St, Waldwick, NJ, 7463 | 5.5 | |
| Travelers | Imperial Agency Inc | 60 Outwater Ln, Garfield, NJ, 7026 | 8.1 | |
| State Farm | Bill G Eljouzi | 178 Lakeview Ave, Clifton, NJ, 07011-4071 | 8.8 | |
| Travelers | Firm Inc | One Lethbridge Plz Ste 30, Mahwah, NJ, 7430 | 10.2 | |
| State Farm | Daryl Laglia | 145 Main St, Hackensack, NJ, 07601-8107 | 6.5 | |
| State Farm | Tom Flynn | 282 Kinderkamack Rd Ste C, Oradell, NJ, 07649-2124 | 1.8 |
| 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 | $770 | $1,500 | $730 |
| Bergen County, NJ | $451,200 | $1,348 | $920 | $1,910 | $990 |
| Emerson, NJ | $465,600 | $982 | $680 | $1,370 | $690 |
| Livingston, NJ | $599,100 | $1,057 | $720 | $1,450 | $730 |
| Jericho, NY | $732,100 | $862 | $610 | $1,190 | $580 |
| Firthcliffe, NY | $283,600 | $1,116 | $800 | $1,550 | $750 |
| Piscataway, NJ | $310,300 | $985 | $660 | $1,400 | $740 |
| Patterson, NY | $322,100 | $941 | $630 | $1,340 | $710 |
| Bethel, CT | $333,900 | $1,013 | $690 | $1,410 | $720 |
| Crandon Lakes, NJ | $216,700 | $888 | $590 | $1,250 | $660 |
| Crawford, NY | $273,500 | $895 | $640 | $1,240 | $600 |
| Pine Bush, NY | $205,200 | $786 | $560 | $1,120 | $560 |
| Yorketown, NJ | $432,100 | $1,005 | $720 | $1,440 | $720 |