Gavop's guide to buying homeowners insurance in Martinsville, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $217,500 | $200,000 | $175,000-$200,000 |
| 2 Bedroom | $557,500 | $470,000 | $400,000-$500,000 |
| 3 Bedroom | $403,000 | $330,000 | $400,000-$500,000 |
| 4 Bedroom | $526,000 | $450,000 | $500,000-$600,000 |
| 5 Bedroom | $1,055,500 | $970,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$153 | $805 |
| Superior Protection Discount | -$96 | $862 |
| Fire & Security Discount | -$105 | $853 |
| Hail Resistant Roof Discount | -$19 | $939 |
| Newly Constructed Home Discount | -$211 | $747 |
| 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 |
| Somerset County | $2,000 | $1,189 | $3,189 | $864 | $2,864 | $325 |
| Martinsville, NJ | $1,500 | $947 | $2,447 | $688 | $2,188 | $259 |
| Franklin Center, NJ | $400 | $1,261 | $1,661 | $916 | $1,316 | $345 |
| Kenvil, NJ | $700 | $1,029 | $1,729 | $747 | $1,447 | $281 |
| Clifton, NJ | $300 | $1,014 | $1,314 | $737 | $1,037 | $277 |
| Bridgeton, PA | $2,000 | $1,105 | $3,105 | $803 | $2,803 | $302 |
| Brooklyn, NY | $300 | $844 | $1,144 | $613 | $913 | $231 |
| Pen Argyl, PA | $1,500 | $700 | $2,200 | $508 | $2,008 | $191 |
| North Valley Stream, NY | $500 | $1,570 | $2,070 | $1,141 | $1,641 | $429 |
| Franklin Square, NY | $2,000 | $1,091 | $3,091 | $793 | $2,793 | $298 |
| Long Beach, NY | $500 | $1,511 | $2,011 | $1,098 | $1,598 | $413 |
| Clarkstown, NY | $700 | $1,422 | $2,122 | $1,034 | $1,734 | $389 |
| Home Insurance Company Martinsville, NJ | Homeowners Insurance Agency Martinsville, NJ | Address | Popularity Score | Distance from Martinsville (miles) |
|---|---|---|---|---|
| Travelers | Cedar Risk Management | 349 State Hwy 31 Ste 201, Flemington, NJ, 8822 | 15.4 | |
| Allstate | Dave Rittenhouse | 1 Mountain Blvd Ste 102, Warren, NJ, 7059 | 5.1 | |
| Travelers | Crisp Insurance Advisors Of Princeton Llc | 1250 Rte 28 Ste 201, Branchburg, NJ, 8876 | 6.1 | |
| Travelers | Birtwhistle & Livingston Inc | 71 East Palisade Ave, Englewood, NJ, 7631 | 37.4 | |
| Travelers | Mosco Insurance Agency Llc | 83 Park St, Ridgefield Park, NJ, 7660 | 33.8 | |
| State Farm | Craig Stix | 10 S Morris St, Dover, NJ, 07801-4637 | 19.4 | |
| Travelers | Aloha Agency Inc | 331 Shaler Blvd, Ridgefield, NJ, 7657 | 33.7 | |
| State Farm | Frantz Gaston Jr | 750 Broadway Ste D, Paterson, NJ, 07514-1332 | 31.5 | |
| Farmers | Dominic Pagano | 30 S Doughty Ave, Somerville, NJ, 8876 | 3.2 | |
| State Farm | Christine Coster | 499 Valley St, Maplewood, NJ, 07040-1331 | 18.5 |
| 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 | $780 | $1,550 | $770 |
| Somerset County, NJ | $412,800 | $1,203 | $870 | $1,650 | $780 |
| Martinsville, NJ | $523,600 | $958 | $690 | $1,360 | $670 |
| Franklin Center, NJ | $395,300 | $1,276 | $920 | $1,800 | $880 |
| Kenvil, NJ | $301,100 | $1,041 | $750 | $1,470 | $720 |
| Clifton, NJ | $331,800 | $1,027 | $710 | $1,410 | $700 |
| Bridgeton, PA | $341,900 | $1,118 | $800 | $1,530 | $730 |
| Brooklyn, NY | $623,900 | $854 | $580 | $1,210 | $630 |
| Pen Argyl, PA | $151,500 | $708 | $480 | $980 | $500 |
| North Valley Stream, NY | $365,800 | $1,589 | $1,060 | $2,190 | $1,130 |
| Franklin Square, NY | $447,600 | $1,104 | $790 | $1,580 | $790 |
| Long Beach, NY | $463,200 | $1,529 | $1,050 | $2,160 | $1,110 |
| Clarkstown, NY | $445,100 | $1,440 | $1,040 | $1,990 | $950 |