Gavop's guide to buying homeowners insurance in Ocean Acres, 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$234 | $574 |
| 30 year old | +$12 | $820 |
| 40 year old | +$21 | $829 |
| 50 year old | +$31 | $839 |
| Above 50 year old | +$39 | $847 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$73 | $735 |
| Home and Two Car | -$129 | $679 |
| Home and Three Car | -$186 | $622 |
| 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 |
| Ocean County | $700 | $929 | $1,629 | $675 | $1,375 | $254 |
| Ocean Acres, NJ | $700 | $798 | $1,498 | $580 | $1,280 | $218 |
| Island Heights, NJ | $200 | $1,276 | $1,476 | $928 | $1,128 | $349 |
| Pomona, NJ | $2,500 | $711 | $3,211 | $517 | $3,017 | $194 |
| Shark River Hills, NJ | $100 | $1,116 | $1,216 | $811 | $911 | $305 |
| Manalapan, NJ | $1,500 | $1,350 | $2,850 | $981 | $2,481 | $369 |
| Willingboro, NJ | $400 | $740 | $1,140 | $538 | $938 | $202 |
| Colts Neck, NJ | $700 | $1,160 | $1,860 | $843 | $1,543 | $317 |
| Concordia, NJ | $100 | $785 | $885 | $571 | $671 | $215 |
| Fairless Hills, PA | $2,500 | $710 | $3,210 | $516 | $3,016 | $194 |
| Plainsboro, NJ | $300 | $980 | $1,280 | $712 | $1,012 | $268 |
| Pennington, NJ | $1,000 | $1,830 | $2,830 | $1,330 | $2,330 | $500 |
| Home Insurance Company Ocean Acres, NJ | Homeowners Insurance Agency Ocean Acres, NJ | Address | Popularity Score | Distance from Ocean Acres (miles) |
|---|---|---|---|---|
| Travelers | Hauswirth & Sons Insurance Consultants | 332 Rte 9, Forked River, NJ, 8731 | 7.6 | |
| State Farm | Dave Johnson | 5010 Hwy 9, Howell, NJ, 07731-3321 | 26.9 | |
| Allstate | Dolly Wasielewski | 1258 Route 166 Ste A, Toms River, NJ, 8753 | 17.1 | |
| Travelers | Brouwer Hansen & Izdebski Associates | 240 Main St, Toms River, NJ, 8753 | 15.4 | |
| Travelers | Kollman Group | 2021 Rte 9 Unite 5, Linwood, NJ, 8221 | 31.5 | |
| Travelers | Resource Group Inc | 65 Mechanic St Ste 203, Red Bank, NJ, 7701 | 43.7 | |
| Travelers | Howe Insurance Group | 39 Sycamore Ave Little Silver, Little Silver, NJ, 7739 | 42.3 | |
| State Farm | Chris Thomas | 60 Maple Ave, Red Bank, NJ, 07701-1618 | 43.4 | |
| State Farm | Kevin Carroll | 1410 Hooper Ave, Toms River, NJ, 08753-2854 | 18.2 | |
| State Farm | Tom Miller | 3005 Route 37 E, Toms River, NJ, 08753-6121 | 16.6 |
| 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 | $1,520 | $740 |
| Ocean County, NJ | $267,900 | $940 | $630 | $1,330 | $700 |
| Ocean Acres, NJ | $257,800 | $808 | $590 | $1,120 | $530 |
| Island Heights, NJ | $400,000 | $1,292 | $870 | $1,770 | $900 |
| Pomona, NJ | $200,700 | $720 | $520 | $1,000 | $480 |
| Shark River Hills, NJ | $343,100 | $1,130 | $810 | $1,590 | $780 |
| Manalapan, NJ | $455,500 | $1,366 | $920 | $1,940 | $1,020 |
| Willingboro, NJ | $161,300 | $749 | $550 | $1,030 | $480 |
| Colts Neck, NJ | $758,400 | $1,174 | $850 | $1,630 | $780 |
| Concordia, NJ | $171,000 | $795 | $530 | $1,090 | $560 |
| Fairless Hills, PA | $231,100 | $719 | $520 | $1,020 | $500 |
| Plainsboro, NJ | $468,700 | $992 | $720 | $1,360 | $640 |
| Pennington, NJ | $562,500 | $1,852 | $1,310 | $2,570 | $1,260 |