Gavop's guide to buying homeowners insurance in Union County, 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.
| Union 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 | |
| Dawn Dr, Eleni Way, Braun Ter, Wainwright St, Carlton Ter, Sycamore Rd, Kingston Ave, W 10th Ave, E Sumner Ave, Stanley Ter | $569,000 | $480,000 | $600,000-$700,000 | $452,000 | $380,000 | $400,000-$500,000 |
| Windsor Pl, Green Briar Ct, Isabella Ave, N Cottage Pl, Cox St, Dukes Rd, Deerpath Ln, Pine Ave, Lake Ave, Briant Pkwy | $407,000 | $330,000 | $300,000-$350,000 | $330,500 | $270,000 | $250,000-$300,000 |
| Maxon Pl, Dermody St, Alexander Ave, 1st Pl, Golf Ter, Saint Nicholas Blvd, Saddle Brook Rd, Lawrence Dr, Coolidge Ave, Oakwood Ave | $313,500 | $270,000 | $300,000-$350,000 | $229,000 | $220,000 | $200,000-$250,000 |
| Anna St, Briarcliffe Dr, Essex Ave, Commerce Ave, Cedar Ln, Bolton Blvd, Broadwell Ave, Bower St, North Ave W, Audrey Ter | $257,500 | $210,000 | $250,000-$300,000 | $241,500 | $220,000 | $200,000-$250,000 |
| E 21st St, State Rte 24, McLester St, Pingry Pl, Hill Top Rd, Harold Johnson Pl, Wood Rd, Hoiles Dr, Stratford Ter, Raleigh Ave | $549,000 | $460,000 | $500,000-$600,000 | $284,000 | $260,000 | $300,000-$350,000 |
| Pacific Ave, Standish Ave, Florida St, N 7th St, Earle Pl, Sherbrooke Dr, Brookside Pl, Jensen Ln, Birchwood Ave, Columbus Pl | $323,500 | $270,000 | $300,000-$350,000 | $276,000 | $260,000 | $300,000-$350,000 |
| Robbie Ln, Trumbull St, Earl St, Sherman Ave S, Shackamaxon Dr, Grasselli Ave, W Hazelwood Ave, Julian Pl, Birch Pl, Fernwood Rd | $302,500 | $290,000 | $250,000-$300,000 | $450,000 | $400,000 | $400,000-$500,000 |
| Evergreen Pkwy, W Front St, W Milton Ave, Montclair Ave, Locust Grove Dr, Coachman Ct, W Mertz Ave, Salem Ave, Bolton Blvd, W Jersey St | $635,000 | $550,000 | $500,000-$600,000 | $513,500 | $430,000 | $400,000-$500,000 |
| Berckman St, Stemmer Dr, Avon Rd, Clifton St, Billy Ct, N Balmiere Rd, Woodbrook Cir, Woodland Rd, Stanley Ter, Miarmi Ct | $563,500 | $460,000 | $400,000-$500,000 | $324,500 | $270,000 | $250,000-$300,000 |
| Hilary Pl, Winslow Ave, Normandy Dr, Wyndmoor Ave, Witherspoon St, Everts Ave, Cherokee Ct, Pine Grove Rd, Avon Pl, West Ct | $479,000 | $440,000 | $400,000-$500,000 | $269,500 | $230,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$193 | $878 |
| Superior Protection Discount | -$96 | $974 |
| Fire & Security Discount | -$96 | $974 |
| Hail Resistant Roof Discount | -$32 | $1,038 |
| Newly Constructed Home Discount | -$246 | $824 |
| 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 |
| Union County | $2,000 | $1,058 | $3,058 | $769 | $2,769 | $289 |
| Union County, NJ | $700 | $1,058 | $1,758 | $769 | $1,469 | $289 |
| Millburn, NJ | $400 | $780 | $1,180 | $567 | $967 | $213 |
| Plainfield, NJ | $700 | $876 | $1,576 | $637 | $1,337 | $240 |
| Morganville, NJ | $100 | $1,776 | $1,876 | $1,291 | $1,391 | $485 |
| Kinnelon, NJ | $1,000 | $992 | $1,992 | $721 | $1,721 | $271 |
| Sands Point, NY | $200 | $1,036 | $1,236 | $753 | $953 | $283 |
| East Meadow, NY | $700 | $1,276 | $1,976 | $927 | $1,627 | $349 |
| North Massapequa, NY | $100 | $2,015 | $2,115 | $1,464 | $1,564 | $551 |
| Cove Neck, NY | $1,500 | $1,036 | $2,536 | $753 | $2,253 | $283 |
| Northampton, PA | $200 | $1,198 | $1,398 | $871 | $1,071 | $327 |
| Crestwood Village, NJ | $1,500 | $888 | $2,388 | $646 | $2,146 | $243 |
| Home Insurance Company Union County, NJ | Homeowners Insurance Agency Union County, NJ | Address | Popularity Score | Distance from Union County (miles) |
|---|---|---|---|---|
| State Farm | Peter Romeo | 1429 Us Highway 22, Mountainside, NJ, 07092-2406 | 2.7 | |
| Farmers | Leslie Lassen | 1915 Morris Ave Fl 2, Union, NJ, 7083 | 3.3 | |
| Liberty Mutual Independent | Fraser Brothers Group Llc | 811 Amboy Avenue, Edison, NJ, 8837 | 8.9 | |
| State Farm | Craig Stix | 10 S Morris St, Dover, NJ, 07801-4637 | 20.2 | |
| Liberty Mutual Independent | Durkin Agency Inc | 106 Grand Ave Ste 360, Englewood, NJ, 7631 | 23.6 | |
| Farmers | Jayme Vinas | 110 4th St, Plainfield, NJ, 7061 | 6.6 | |
| Farmers | Omaida Acevedo | 90 Passaic St, Garfield, NJ, 7026 | 17.8 | |
| Travelers | Lichtenberger Agency Llc | 1 Harmon Plz 1 Harmon Plz, Secaucus, NJ, 7094 | 15.6 | |
| State Farm | Frank Mosier | 374 Millburn Ave Ste 305e, Millburn, NJ, 07041-1351 | 4.4 | |
| Travelers | Max Safrin Agency Inc | 2266 Springfiield Ave, Vauxhall, NJ, 7088 | 4.3 |
| 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 | $740 | $1,540 | $800 |
| Union County, NJ | $351,800 | $1,070 | $740 | $1,480 | $740 |
| Union County, NJ | $351,800 | $1,070 | $780 | $1,530 | $750 |
| Millburn, NJ | $1,057,500 | $789 | $580 | $1,080 | $500 |
| Plainfield, NJ | $236,400 | $887 | $590 | $1,220 | $630 |
| Morganville, NJ | $540,000 | $1,798 | $1,200 | $2,570 | $1,370 |
| Kinnelon, NJ | $558,600 | $1,004 | $680 | $1,390 | $710 |
| Sands Point, NY | $2,000,001 | $1,048 | $710 | $1,450 | $740 |
| East Meadow, NY | $414,200 | $1,291 | $880 | $1,780 | $900 |
| North Massapequa, NY | $432,000 | $2,039 | $1,370 | $2,920 | $1,550 |
| Cove Neck, NY | $2,000,001 | $1,048 | $750 | $1,500 | $750 |
| Northampton, PA | $392,900 | $1,213 | $890 | $1,710 | $820 |
| Crestwood Village, NJ | $71,300 | $899 | $620 | $1,230 | $610 |