Gavop's guide to buying homeowners insurance in Montgomery, 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 | $160,500 | $130,000 | $125,000-$150,000 |
| 2 Bedroom | $300,000 | $270,000 | $300,000-$350,000 |
| 3 Bedroom | $575,500 | $540,000 | $500,000-$600,000 |
| 4 Bedroom | $591,000 | $550,000 | $500,000-$600,000 |
| 5 Bedroom | $1,291,000 | $1,190,000 | More than 10,000,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$86 | $991 |
| Home and Two Car | -$183 | $894 |
| Home and Three Car | -$269 | $808 |
| 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 | $700 | $1,189 | $1,889 | $864 | $1,564 | $325 |
| Montgomery, NJ | $1,000 | $1,064 | $2,064 | $774 | $1,774 | $291 |
| Piscataway, NJ | $100 | $973 | $1,073 | $707 | $807 | $266 |
| Marlboro, NJ | $2,500 | $1,384 | $3,884 | $1,006 | $3,506 | $378 |
| Bridgeton, PA | $200 | $1,105 | $1,305 | $803 | $1,003 | $302 |
| Dover, NJ | $1,000 | $805 | $1,805 | $585 | $1,585 | $220 |
| Moorestown, NJ | $200 | $977 | $1,177 | $710 | $910 | $267 |
| Marlton, NJ | $2,500 | $783 | $3,283 | $569 | $3,069 | $214 |
| Harleysville, PA | $400 | $837 | $1,237 | $608 | $1,008 | $229 |
| Pen Argyl, PA | $2,000 | $700 | $2,700 | $508 | $2,508 | $191 |
| Hackensack, NJ | $400 | $971 | $1,371 | $706 | $1,106 | $265 |
| Bally, PA | $700 | $741 | $1,441 | $539 | $1,239 | $203 |
| Home Insurance Company Montgomery, NJ | Homeowners Insurance Agency Montgomery, NJ | Address | Popularity Score | Distance from Montgomery (miles) |
|---|---|---|---|---|
| Travelers | Irwin Edelstein Associates Inc | 15 Bridge St, Metuchen, NJ, 8840 | 17.5 | |
| Liberty Mutual Independent | Durkin Agency Inc | 106 Grand Ave 3rd Fl, Englewood, NJ, 7631 | 49.0 | |
| State Farm | Ray Sayre Jr | 6 Route 31 S, Pennington, NJ, 08534-2504 | 9.6 | |
| Travelers | Coe Group Inc | 1044 Route 23 Ste 311, Wayne, NJ, 7470 | 40.2 | |
| Travelers | New Jersey Agents Alliance | 5 Independence Way Ste 300, Princeton, NJ, 8540 | 6.3 | |
| State Farm | Lou Ingles | 256 Route 206, Hillsborough, NJ, 08844-4681 | 7.1 | |
| State Farm | Phil Dattolo | 339 Main Rd Ste 2, Montville, NJ, 07045-8601 | 37.4 | |
| Travelers | Cerra Insurance Agency | 272 Highway 34, Matawan, NJ, 7747 | 21.0 | |
| Allstate | David Basile | 3146 Rt 27 Ste 101, Kendall Park, NJ, 8824 | 7.1 | |
| Travelers | Tri State Insurance Agency Inc | 96 Us Hwy 206, Augusta, NJ, 7822 | 47.8 |
| 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 | $790 | $1,490 | $700 |
| Somerset County, NJ | $412,800 | $1,203 | $820 | $1,720 | $900 |
| Montgomery, NJ | $615,600 | $1,077 | $740 | $1,490 | $750 |
| Piscataway, NJ | $310,300 | $985 | $700 | $1,410 | $710 |
| Marlboro, NJ | $512,100 | $1,401 | $970 | $1,980 | $1,010 |
| Bridgeton, PA | $341,900 | $1,118 | $820 | $1,540 | $720 |
| Dover, NJ | $262,800 | $815 | $590 | $1,150 | $560 |
| Moorestown, NJ | $494,600 | $988 | $670 | $1,350 | $680 |
| Marlton, NJ | $247,300 | $792 | $580 | $1,120 | $540 |
| Harleysville, PA | $302,500 | $847 | $600 | $1,170 | $570 |
| Pen Argyl, PA | $151,500 | $708 | $500 | $1,010 | $510 |
| Hackensack, NJ | $292,600 | $983 | $680 | $1,390 | $710 |
| Bally, PA | $173,100 | $750 | $550 | $1,040 | $490 |