Gavop shows you how to buy homeowners insurance in Somerset 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 | $103,000 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $287,000 | $260,000 | $250,000-$300,000 |
| 3 Bedroom | $418,000 | $330,000 | $400,000-$500,000 |
| 4 Bedroom | $348,500 | $290,000 | $250,000-$300,000 |
| 5 Bedroom | $966,000 | $850,000 | $900,000-$1,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$205 | $999 |
| Superior Protection Discount | -$120 | $1,083 |
| Fire & Security Discount | -$108 | $1,095 |
| Hail Resistant Roof Discount | -$24 | $1,179 |
| Newly Constructed Home Discount | -$253 | $951 |
| 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 | $2,500 | $1,189 | $3,689 | $864 | $3,364 | $325 |
| Somerset County, NJ | $1,000 | $1,189 | $2,189 | $864 | $1,864 | $325 |
| Franklin Center, NJ | $200 | $1,261 | $1,461 | $916 | $1,116 | $345 |
| South River, NJ | $2,000 | $845 | $2,845 | $614 | $2,614 | $231 |
| Fords, NJ | $100 | $852 | $952 | $619 | $719 | $233 |
| Lawrenceville, NJ | $700 | $1,001 | $1,701 | $727 | $1,427 | $274 |
| Asbury, NJ | $400 | $969 | $1,369 | $704 | $1,104 | $265 |
| East Orange, NJ | $2,500 | $830 | $3,330 | $603 | $3,103 | $227 |
| Fairfield, NJ | $400 | $994 | $1,394 | $723 | $1,123 | $272 |
| Warrington, PA | $2,000 | $917 | $2,917 | $667 | $2,667 | $251 |
| Horsham, PA | $300 | $891 | $1,191 | $648 | $948 | $244 |
| Montvale, NJ | $1,000 | $1,057 | $2,057 | $769 | $1,769 | $289 |
| Home Insurance Company Somerset County, NJ | Homeowners Insurance Agency Somerset County, NJ | Address | Popularity Score | Distance from Somerset County (miles) |
|---|---|---|---|---|
| State Farm | Navin Jiwnani | 278 Us Highway 22 West, Green Brook, NJ, 08812-1713 | 6.9 | |
| Allstate | Dave Rittenhouse | 1 Mountain Blvd Ste 102, Warren, NJ, 7059 | 8.2 | |
| Travelers | Crisp Insurance Advisors Of Princeton Llc | 1250 Rte 28 Ste 201, Branchburg, NJ, 8876 | 4.7 | |
| Travelers | T E Freuler Agency Inc | 13 Clyde Rd Ste 202, Somerset, NJ, 8873 | 7.9 | |
| Allstate | Eric Roos | 32 Lyons Mall, Basking Ridge, NJ, 7920 | 8.9 | |
| State Farm | John Dipace | 186 Columbia Tpke, Florham Park, NJ, 07932-1389 | 19.4 | |
| Travelers | Franchino Agency | 856 Route 206 Suite B11, Hillsborough, NJ, 8844 | 6.2 | |
| State Farm | Bert Sweeney | 35 Beechwood Rd Ste 3d, Summit, NJ, 07901-4604 | 17.4 | |
| Travelers | J S Braddock Agency | 22 N Main St, Medford, NJ, 8055 | 47.1 | |
| Travelers | Jerlyn Associates Inc | 34 Route 22 W, Green Brook, NJ, 8812 | 8.6 |
| 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 | $770 | $1,480 | $710 |
| Somerset County, NJ | $412,800 | $1,203 | $870 | $1,710 | $840 |
| Somerset County, NJ | $412,800 | $1,203 | $830 | $1,720 | $890 |
| Franklin Center, NJ | $395,300 | $1,276 | $910 | $1,750 | $840 |
| South River, NJ | $289,300 | $855 | $620 | $1,180 | $560 |
| Fords, NJ | $293,900 | $863 | $610 | $1,220 | $610 |
| Lawrenceville, NJ | $286,400 | $1,013 | $690 | $1,390 | $700 |
| Asbury, NJ | $268,500 | $981 | $660 | $1,340 | $680 |
| East Orange, NJ | $205,100 | $840 | $580 | $1,170 | $590 |
| Fairfield, NJ | $472,900 | $1,007 | $690 | $1,440 | $750 |
| Warrington, PA | $393,200 | $929 | $680 | $1,280 | $600 |
| Horsham, PA | $327,200 | $902 | $610 | $1,270 | $660 |
| Montvale, NJ | $609,700 | $1,070 | $730 | $1,510 | $780 |