Gavop's guide to buying homeowners insurance in Lacey, 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 | -$176 | $662 |
| 30 year old | +$13 | $851 |
| 40 year old | +$22 | $860 |
| 50 year old | +$32 | $870 |
| Above 50 year old | +$40 | $879 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$75 | $763 |
| Home and Two Car | -$143 | $696 |
| Home and Three Car | -$210 | $629 |
| 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 | $2,500 | $929 | $3,429 | $675 | $3,175 | $254 |
| Lacey, NJ | $700 | $828 | $1,528 | $602 | $1,302 | $226 |
| Crestwood Village, NJ | $500 | $888 | $1,388 | $646 | $1,146 | $243 |
| Bass River, NJ | $2,500 | $911 | $3,411 | $662 | $3,162 | $249 |
| Mystic Island, NJ | $400 | $697 | $1,097 | $507 | $907 | $191 |
| Robertsville, NJ | $1,500 | $980 | $2,480 | $712 | $2,212 | $268 |
| Plainsboro, NJ | $400 | $980 | $1,380 | $712 | $1,112 | $268 |
| Lawnside, NJ | $1,000 | $763 | $1,763 | $554 | $1,554 | $208 |
| Merchantville, NJ | $200 | $872 | $1,072 | $634 | $834 | $238 |
| Pennsauken, NJ | $1,500 | $737 | $2,237 | $536 | $2,036 | $201 |
| Lower Southampton, PA | $300 | $806 | $1,106 | $586 | $886 | $220 |
| Sewaren, NJ | $700 | $992 | $1,692 | $721 | $1,421 | $271 |
| Home Insurance Company Lacey, NJ | Homeowners Insurance Agency Lacey, NJ | Address | Popularity Score | Distance from Lacey (miles) |
|---|---|---|---|---|
| Travelers | John Hill Agency | 635 Route 9, Bayville, NJ, 8721 | 6.7 | |
| Travelers | I And E Insurance Agency | 2900 Route 88, Point Pleasant, NJ, 8742 | 18.5 | |
| Travelers | Brouwer Hansen & Izdebski Associates | 240 Main St, Toms River, NJ, 8753 | 7.8 | |
| Travelers | Biondi Insurance Agency | 525 E Elmer St, Vineland, NJ, 8360 | 47.8 | |
| State Farm | Deb Kerestesy | 2630 E Chestnut Ave Ste C2, Vineland, NJ, 08361-8400 | 46.0 | |
| Travelers | A & L Insurance Agency Llc | 717 Atlantic City Blvd, Beachwood, NJ, 8722 | 7.1 | |
| Travelers | Coe-Brooke Insurance Agency | 2805 Bridge Ave, Point Pleasant, NJ, 8742 | 18.1 | |
| State Farm | Tom Miller | 3005 Route 37 E, Toms River, NJ, 08753-6121 | 10.0 | |
| State Farm | Jerry Weinfeld | 2698 Hwy 516 Ste H, Old Bridge, NJ, 08857-2305 | 37.9 | |
| State Farm | Rodney Stevenson | 385 N Route 73, West Berlin, NJ, 08091-2501 | 35.4 |
| 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 | $790 | $1,500 | $710 |
| Ocean County, NJ | $267,900 | $940 | $630 | $1,300 | $670 |
| Lacey, NJ | $278,500 | $838 | $600 | $1,160 | $560 |
| Crestwood Village, NJ | $71,300 | $899 | $610 | $1,290 | $680 |
| Bass River, NJ | $235,600 | $922 | $640 | $1,310 | $670 |
| Mystic Island, NJ | $192,200 | $706 | $510 | $990 | $480 |
| Robertsville, NJ | $468,600 | $992 | $660 | $1,420 | $760 |
| Plainsboro, NJ | $468,700 | $992 | $680 | $1,380 | $700 |
| Lawnside, NJ | $161,500 | $772 | $530 | $1,060 | $530 |
| Merchantville, NJ | $213,900 | $883 | $610 | $1,250 | $640 |
| Pennsauken, NJ | $159,900 | $746 | $500 | $1,020 | $520 |
| Lower Southampton, PA | $287,000 | $816 | $590 | $1,150 | $560 |
| Sewaren, NJ | $281,800 | $1,004 | $690 | $1,390 | $700 |