Gavop's guide to buying homeowners insurance in Andover, 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 | $112,000 | $100,000 | $75,000-$100,000 |
| 2 Bedroom | $249,000 | $230,000 | $250,000-$300,000 |
| 3 Bedroom | $280,500 | $260,000 | $250,000-$300,000 |
| 4 Bedroom | $425,500 | $380,000 | $400,000-$500,000 |
| 5 Bedroom | $726,000 | $620,000 | $600,000-$700,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$67 | $771 |
| Home and Two Car | -$134 | $704 |
| Home and Three Car | -$201 | $637 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,163 |
| Hail Damage | $5,103 |
| Wind Damage | $10,417 |
| Expensive Claims | |
| Fire | $35,329 |
| Accidental Discharge/Leakage | $8,970 |
| Optional Coverage Losses | $8,485 |
| Home Insurance Company Andover, NJ | Homeowners Insurance Agency Andover, NJ | Address | Popularity Score | Distance from Andover (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | A. C. Marmo & Sons Inc. | 350 Passaic Ave, Fairfield, NJ, 7004 | 25.8 | |
| Travelers | Scirocco Group | 777 Terrace Ave Ste 309, Hasbrouck Heights, NJ, 7604 | 36.5 | |
| Farmers | Junior Pierreantoine | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 18.4 | |
| Allstate | Berk Demirbulakli | 706 Rt 15 South St 109, Lake Hopatcong, NJ, 7849 | 8.5 | |
| Allstate | Frank Gargin | 191 Woodport Rd, Sparta, NJ, 7871 | 5.1 | |
| State Farm | Alex Aguado | 160 Woodport Rd Ste 1a, Sparta, NJ, 07871-2328 | 5.0 | |
| Farmers | Claudio Sarrido | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 18.4 | |
| Travelers | Benson Thomson Agency Inc | 15 North Morris Street, Dover, NJ, 7801 | 13.4 | |
| Farmers | Ruth Blanchard | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 18.4 | |
| Farmers | Diane Gipson | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 18.4 |
| 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 | $1,500 | $720 |
| Sussex County, NJ | $264,100 | $934 | $660 | $1,300 | $640 |
| Andover, NJ | $278,100 | $838 | $600 | $1,160 | $560 |
| Liberty, NJ | $287,900 | $1,016 | $740 | $1,410 | $670 |
| Knowlton, NJ | $285,000 | $1,010 | $700 | $1,420 | $720 |
| West Orange, NJ | $370,200 | $1,116 | $770 | $1,550 | $780 |
| Glen Ridge, NJ | $623,700 | $1,088 | $730 | $1,490 | $760 |
| Ramapo, NY | $417,300 | $1,055 | $760 | $1,470 | $710 |
| Bardonia, NY | $542,800 | $2,478 | $1,660 | $3,420 | $1,760 |
| South Nyack, NY | $462,600 | $2,261 | $1,650 | $3,190 | $1,540 |
| Lower Towamensing, PA | $168,700 | $742 | $510 | $1,050 | $540 |
| North Catasauqua, PA | $171,300 | $747 | $540 | $1,060 | $520 |
| Thornwood, NY | $599,200 | $2,693 | $1,830 | $3,800 | $1,970 |