Gavop shows you how to buy homeowners insurance in Middlesex 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.
| Middlesex County, NJ - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Archangela Ave, Egel Ave, Coppola Dr, Jenna Ln, Rockoff Ct, Albert Ave, Terry Ln, Denver Blvd, Courtland St, Bedford Rd | $309,500 | $250,000 | $250,000-$300,000 | $219,500 | $180,000 | $175,000-$200,000 |
| Clayton Ct, Alpine St, Gormley Ln, Laurel St, Thames Rd, Sequdia Dr, Vincent Ct, Robin Way, Gross Ln, Corporate Pl S | $275,000 | $260,000 | $250,000-$300,000 | $211,500 | $190,000 | $200,000-$250,000 |
| S 2nd St, Stuart Dr, Carmel Ln, Lenape Ln, Lily Ct, Mt View Ter, Carlton Rd, Brittany Way, N 12th St, Clara Pl | $253,500 | $220,000 | $250,000-$300,000 | $211,500 | $180,000 | $200,000-$250,000 |
| Manton Ave, Van Ethel Dr, Homestead Ave, S Clinton Ave, Talmadge Ave, S Hyde Ave, Industrial Dr, Linden Ln, Dumont Ave, Nimitz Pl | $273,500 | $250,000 | $300,000-$350,000 | $185,000 | $160,000 | $125,000-$150,000 |
| Afton Way, Lexington Cir, W 6th St, Colletti Ter, Dahlia Plz, Westminster Rd, Powell Pl, Muirfield Blvd, Myron Pl, Co Rd 601 | $200,500 | $190,000 | $200,000-$250,000 | $114,500 | $90,000 | $125,000-$150,000 |
| Smalley Ave, Half Acre Rd, Tompkins Rd, Sunset Rd, Appleby Ave, Ave G, Eagle Ct, Crows Mill Rd, Ray St, Stratford Rd | $335,000 | $310,000 | $250,000-$300,000 | $211,500 | $180,000 | $200,000-$250,000 |
| Irving St, Merlot Ct, W Grandview Ave, Northumberland Way, Caroline St, Wayne Ave, Warwick St, Zwicker Ave, Alpine Pl, S Harrison Ave | $166,500 | $140,000 | $150,000-$175,000 | $199,500 | $170,000 | $200,000-$250,000 |
| Stockton Rd, Stoneybrook Dr, Adams Ave, Aspen Dr, Co Rd 698, Fuller Ave, Terminal Rd, Russel Rd, Paddock Ct, Springfield Rd | $380,000 | $330,000 | $400,000-$500,000 | $266,000 | $250,000 | $300,000-$350,000 |
| Harold Pl, Orchid Dr, Hollander St, Eugene Blvd, Bucknell Rd, Camelot Dr, Bradford Ln, Co Rd 651, Timon Dr, Village Dr S | $99,000 | $90,000 | $75,000-$100,000 | $60,000 | $60,000 | $50,000-$75,000 |
| Sunburst Ln, Aurora St, S Maple St, Essex Dr, E Cherry St, Cutter Ave, Raritan St, Clive Ct, Lodi Ave, Overlook Dr | $495,000 | $460,000 | $500,000-$600,000 | $392,000 | $340,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$153 | $868 |
| Superior Protection Discount | -$102 | $919 |
| Fire & Security Discount | -$82 | $939 |
| Hail Resistant Roof Discount | -$20 | $1,001 |
| Newly Constructed Home Discount | -$255 | $766 |
| 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 |
| Middlesex County | $2,000 | $1,009 | $3,009 | $733 | $2,733 | $276 |
| Middlesex County, NJ | $1,000 | $1,009 | $2,009 | $733 | $1,733 | $276 |
| Jamesburg, NJ | $500 | $812 | $1,312 | $590 | $1,090 | $222 |
| East Millstone, NJ | $2,000 | $1,222 | $3,222 | $888 | $2,888 | $334 |
| Keyport, NJ | $500 | $796 | $1,296 | $578 | $1,078 | $218 |
| Short Hills, NJ | $1,500 | $916 | $2,416 | $666 | $2,166 | $250 |
| Bernardsville, NJ | $300 | $1,103 | $1,403 | $801 | $1,101 | $301 |
| Stockton, NJ | $1,000 | $1,167 | $2,167 | $848 | $1,848 | $319 |
| Ringwood, NJ | $100 | $792 | $892 | $576 | $676 | $217 |
| Souderton, PA | $1,000 | $845 | $1,845 | $614 | $1,614 | $231 |
| Upper Gwynedd, PA | $400 | $913 | $1,313 | $663 | $1,063 | $249 |
| Hamburg, NJ | $1,000 | $816 | $1,816 | $593 | $1,593 | $223 |
| Home Insurance Company Middlesex County, NJ | Homeowners Insurance Agency Middlesex County, NJ | Address | Popularity Score | Distance from Middlesex County (miles) |
|---|---|---|---|---|
| Travelers | Irwin Edelstein Associates Inc | 15 Bridge St, Metuchen, NJ, 8840 | 6.8 | |
| Allstate | James Fitzsimmons | 499 Morris Ave, Springfield, NJ, 7081 | 19.6 | |
| Liberty Mutual Independent | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 7.6 | |
| Travelers | T E Freuler Agency Inc | 13 Clyde Rd Ste 202, Somerset, NJ, 8873 | 6.3 | |
| Travelers | Abbott Insurance Agency | 705 Ridge Rd, Lyndhurst, NJ, 7071 | 29.0 | |
| State Farm | Jodi Schoenlank | 1941 Oak Tree Rd Ste 103, Edison, NJ, 08820-2069 | 9.6 | |
| State Farm | George Hernandez | 112 S Washington Ave Ste 4, Bergenfield, NJ, 07621-2357 | 39.8 | |
| Liberty Mutual Independent | Napco Llc | 517 Us Highway 1 S, Iselin, NJ, 8830 | 9.5 | |
| Farmers | Paul Tye | 1778 Lincoln Hwy Ste 27, Edison, NJ, 8817 | 5.1 | |
| State Farm | Jeff Jones | 432 Route 34 Ste 2, Matawan, NJ, 07747-2193 | 7.7 |
| 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 | $1,480 | $700 |
| Middlesex County, NJ | $329,000 | $1,021 | $750 | $1,460 | $710 |
| Middlesex County, NJ | $329,000 | $1,021 | $740 | $1,400 | $660 |
| Jamesburg, NJ | $267,700 | $822 | $550 | $1,180 | $630 |
| East Millstone, NJ | $382,900 | $1,237 | $900 | $1,690 | $790 |
| Keyport, NJ | $256,500 | $806 | $560 | $1,150 | $590 |
| Short Hills, NJ | $1,316,600 | $927 | $630 | $1,330 | $700 |
| Bernardsville, NJ | $704,200 | $1,116 | $770 | $1,550 | $780 |
| Stockton, NJ | $363,300 | $1,181 | $800 | $1,630 | $830 |
| Ringwood, NJ | $342,400 | $802 | $540 | $1,150 | $610 |
| Souderton, PA | $230,300 | $855 | $610 | $1,210 | $600 |
| Upper Gwynedd, PA | $336,100 | $924 | $670 | $1,310 | $640 |
| Hamburg, NJ | $185,100 | $826 | $600 | $1,140 | $540 |