Gavop shows you how to buy homeowners insurance in Hudson County, 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 | $134,500 | $110,000 | $125,000-$150,000 |
| 2 Bedroom | $308,500 | $280,000 | $350,000-$400,000 |
| 3 Bedroom | $459,500 | $400,000 | $400,000-$500,000 |
| 4 Bedroom | $366,500 | $340,000 | $350,000-$400,000 |
| 5 Bedroom | $799,000 | $700,000 | $700,000-$800,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$202 | $863 |
| Superior Protection Discount | -$106 | $958 |
| Fire & Security Discount | -$117 | $948 |
| Hail Resistant Roof Discount | -$21 | $1,044 |
| Newly Constructed Home Discount | -$213 | $852 |
| 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 |
| Hudson County | $700 | $1,052 | $1,752 | $765 | $1,465 | $288 |
| Hudson County, NJ | $700 | $1,052 | $1,752 | $765 | $1,465 | $288 |
| Garden City, NY | $500 | $833 | $1,333 | $605 | $1,105 | $228 |
| Lakeview, NY | $2,000 | $1,537 | $3,537 | $1,117 | $3,117 | $420 |
| Madison Park, NJ | $300 | $987 | $1,287 | $717 | $1,017 | $270 |
| Warren, NJ | $1,500 | $1,152 | $2,652 | $837 | $2,337 | $315 |
| South Hempstead, NY | $200 | $1,780 | $1,980 | $1,294 | $1,494 | $487 |
| Middlesex County, NJ | $2,000 | $1,009 | $3,009 | $733 | $2,733 | $276 |
| Englishtown, NJ | $300 | $1,011 | $1,311 | $735 | $1,035 | $276 |
| Copiague, NY | $2,500 | $838 | $3,338 | $609 | $3,109 | $229 |
| Eatons Neck, NY | $300 | $745 | $1,045 | $542 | $842 | $204 |
| Johnsonburg, NJ | $1,000 | $937 | $1,937 | $681 | $1,681 | $256 |
| Home Insurance Company Hudson County, NJ | Homeowners Insurance Agency Hudson County, NJ | Address | Popularity Score | Distance from Hudson County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | American Insurance Services | 1129 Raritan Rd, Clark, NJ, 7066 | 14.2 | |
| Travelers | Bogle Agency Insurance | 200 Stuyvesant Ave, Lyndhurst, NJ, 7071 | 6.3 | |
| Travelers | Bayonne Transoceanic Inc | 620 Broadway, Bayonne, NJ, 7002 | 4.8 | |
| Farmers | Omaida Acevedo | 90 Passaic St, Garfield, NJ, 7026 | 9.4 | |
| Travelers | Lichtenberger Agency Llc | 1 Harmon Plz 1 Harmon Plz, Secaucus, NJ, 7094 | 4.4 | |
| Allstate | Gary Vivinetto | 359 Centre St, Nutley, NJ, 7110 | 7.2 | |
| Allstate | Greg Gravalis | 1063 Rte 202 N, Branchburg, NJ, 8876 | 34.6 | |
| Travelers | Aloha Agency Inc | 331 Shaler Blvd, Ridgefield, NJ, 7657 | 7.6 | |
| State Farm | George Hernandez | 112 S Washington Ave Ste 4, Bergenfield, NJ, 07621-2357 | 14.0 | |
| State Farm | Alex Vargas | 45 Hoover Ave, Passaic, NJ, 07055-5109 | 9.4 |
| 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 | $750 | $1,480 | $730 |
| Hudson County, NJ | $349,500 | $1,065 | $730 | $1,470 | $740 |
| Hudson County, NJ | $349,500 | $1,065 | $780 | $1,480 | $700 |
| Garden City, NY | $811,800 | $843 | $570 | $1,160 | $590 |
| Lakeview, NY | $360,600 | $1,556 | $1,120 | $2,230 | $1,110 |
| Madison Park, NJ | $278,900 | $999 | $710 | $1,390 | $680 |
| Warren, NJ | $750,000 | $1,166 | $800 | $1,640 | $840 |
| South Hempstead, NY | $398,000 | $1,802 | $1,240 | $2,560 | $1,320 |
| Middlesex County, NJ | $329,000 | $1,021 | $740 | $1,400 | $660 |
| Englishtown, NJ | $291,800 | $1,023 | $750 | $1,450 | $700 |
| Copiague, NY | $298,600 | $848 | $570 | $1,180 | $610 |
| Eatons Neck, NY | $710,400 | $754 | $510 | $1,030 | $520 |
| Johnsonburg, NJ | $250,000 | $948 | $690 | $1,320 | $630 |