How Can I Make My Edison, NJ Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Edison, 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.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Edison, NJ Home Insurance Coverage Levels | Back to Top
| Edison, 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 | |
| Loring Ave, Augusta Ave, Germantown Ave, Penn Ave, Pilegis Ct, Rockoff Ct, Perry Rd, Marc Ct, Blossom St, Wooding Ave | $299,000 | $270,000 | $300,000-$350,000 | $259,500 | $230,000 | $200,000-$250,000 |
| Calvert Ave E, Avon Rd, Cambridge Rd, Lench Ave, Rainford Rd, Emil Ct, Vineyard Rd, Sandalwood Dr, Waterford Dr, Erin Ct | $238,500 | $220,000 | $200,000-$250,000 | $241,000 | $210,000 | $200,000-$250,000 |
| Matthew Ct, Kearny Ave, Linda Ln, Mayfield Ave, Hawthorn Dr, Fletcher St, Dorothy Ave, Jamaica St, Larson Ave, Shifra Ct | $332,500 | $270,000 | $300,000-$350,000 | $197,500 | $170,000 | $175,000-$200,000 |
| Oxford Rd, Durham Ave, Lucille Ct, Corporation Row, Beech Ln, Poe Pl, Edison Glen Ter, Westover Way, Co Rd 667, Zaydee Dr | $299,500 | $250,000 | $250,000-$300,000 | $255,000 | $230,000 | $250,000-$300,000 |
| Moryan Rd, Lloyd St, Finley Rd, McGinnis Rd, Boltin St, Holmes St, Wagner St, Morning Glory Ln, Baltic St, Marie Ln | $250,500 | $210,000 | $200,000-$250,000 | $275,000 | $250,000 | $250,000-$300,000 |
| Churchill Rd, Barbara Pl, Thornall St, Wainwright St, Elmwood Ter, Carr Ct, Coppertree Ct, Jonathan Dr, Schuyler Dr, Teaberry Ln | $245,500 | $210,000 | $200,000-$250,000 | $254,000 | $240,000 | $200,000-$250,000 |
| Gogel St, Ballo Pl, Taylor Rd, Heller Ct, Kingsbridge Dr, Purdue Rd, Janina Ave, Judith Pl, Westgate Dr, E Knollwood Rd | $424,500 | $360,000 | $350,000-$400,000 | $321,000 | $280,000 | $350,000-$400,000 |
| Pacific St, Bergen Pl, Harman Rd, Southfield Rd, Sims Rd, Annette Dr, Rodak Cir, Midvale Rd, New York Blvd, Sycamore Ave | $333,000 | $270,000 | $350,000-$400,000 | $200,000 | $180,000 | $200,000-$250,000 |
| Montview Rd, Oak Hills Rd, Clifford St, Casey Ave, Barton St, Patricia St, Mac Ln, Valmere Ct, Temple St, Evergreen Rd | $346,000 | $300,000 | $350,000-$400,000 | $280,500 | $250,000 | $200,000-$250,000 |
| Sine Rd, Kish Ct, Jenna Ln, Sinclair Rd, Ryan Rd, Ginesi Ct, York Dr, Brandywine Ct, E Side Ave, David Dr | $474,000 | $420,000 | $400,000-$500,000 | $192,000 | $170,000 | $175,000-$200,000 |
Bundle your Edison, NJ Auto & Home Insurance from the Same Company | Back to Top
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$77 | $782 |
| Home and Two Car | -$146 | $713 |
| Home and Three Car | -$198 | $661 |
Choose your Edison, NJ Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,344 |
| Hail Damage | $4,476 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,553 |
Identify Top Home Insurance Agents near Edison, NJ | Back to Top
| Home Insurance Company Edison, NJ | Homeowners Insurance Agency Edison, NJ | Address | Popularity Score | Distance from Edison (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | American Insurance Services | 1129 Raritan Rd, Clark, NJ, 7066 | 8.8 | |
| State Farm | Navin Jiwnani | 278 Us Highway 22 West, Green Brook, NJ, 08812-1713 | 9.8 | |
| State Farm | Scott Klar | 64 Route 79, Matawan, NJ, 07747-3382 | 9.3 | |
| Travelers | Irwin Edelstein Associates Inc | 15 Bridge Street 15 Bridge Street, Metuchen, NJ, 8840 | 2.6 | |
| Allstate | Kevin Garcia | 843 Rahway Ave, Woodbridge, NJ, 7095 | 6.1 | |
| Allstate | Richard Moller | 285 County Rd Ste B, Tenafly, NJ, 7670 | 36.1 | |
| Travelers | Heller Family Agency Llc | 2800 Rt 130 N Ste 100, Cinnaminson, NJ, 8077 | 47.5 | |
| Allstate | David Kronstat | 384 Market St, Saddle Brook, NJ, 7663 | 30.2 | |
| Travelers | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 2.9 | |
| State Farm | John Dipace | 186 Columbia Tpke, Florham Park, NJ, 07932-1389 | 19.8 |
Compare Rates for Edison, NJ Home Insurance Providers | Back to Top
| 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 | $1,540 | $770 |
| Middlesex County, NJ | $329,000 | $1,021 | $690 | $1,420 | $730 |
| Edison, NJ | $373,000 | $859 | $580 | $1,180 | $600 |
| Franklin, NJ | $328,500 | $1,020 | $730 | $1,450 | $720 |
| Harlingen, NJ | $625,000 | $1,999 | $1,420 | $2,820 | $1,400 |
| Fair Lawn, NJ | $406,400 | $1,222 | $870 | $1,690 | $820 |
| Hewlett Neck, NY | $1,062,500 | $703 | $470 | $990 | $520 |
| Hewlett, NY | $439,600 | $1,141 | $780 | $1,620 | $840 |
| Kensington, NY | $1,237,700 | $1,106 | $810 | $1,580 | $770 |
| Pemberton Heights, NJ | $164,700 | $780 | $570 | $1,110 | $540 |
| Berkeley, NJ | $179,300 | $683 | $470 | $940 | $470 |
| Hope, NJ | $328,200 | $1,096 | $750 | $1,560 | $810 |
| Jenkintown, PA | $273,700 | $941 | $680 | $1,310 | $630 |
Research Home Insurance Companies Reviews in Edison, NJ Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 25, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
They are polite and respectful in nature. They provide their best quote to satisfy their customer. They sometimes meet customer personally and talk about the policy and determine the best option.
Date: September 23, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Communication
I only used the customer service at the time I opened the account with them, yo get you hooked it works like a charm, I hope it is the same if any claim has to be filled.
Date: September 10, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
Damages to structures attached to my house and house purse, dames for fixtures, plumbing, electrical wiring, heating, and AC.
Date: August 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I have no much information about the premium offered by other insurance companies but next year I will start to look into it since I think I'm paying to much money for almost nothing.
Date: August 11, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Premium
premium rates are much lower when compared to other insurance providers. They do their best to reduce the premium costs.
Date: May 12, 2018 Age: Above 60 Gender: Male Marital Status: Married
Website/App
It is not easy to understand if you need to create a claim, it works properly for payments, that's a 100% but for claims, it lacks information.. of course.
Date: January 11, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Dwelling(Pays for damage to your house and to structures attached to your house. This includes damage to fixtures, such as plumbing, electrical wiring, heating and permanently installed air-conditioning systems
Date: November 19, 2017 Age: Above 60 Gender: Male Marital Status: Unmarried
Website/App
extremely satisfied with mobile and website performance as it is very fast and provides accurate info and display my id cards.
Date: November 18, 2017 Age: Above 60 Gender: Male Marital Status: Married
Communication
They stick to their word and they couldn't go beyond that. They can't reduce beyond a certain limit which is why they are growing farm.
Safeco Insurance Home Insurance Reviews
Date: September 13, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
I don't hear from them until its time to re-sign each year. there really is no communication except for that. Like I said before it's usually fine communication with them except this last time seemed rushed.
Date: September 06, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
Lately, last time re-signed for the insurance they seemed like I was a bother. It seemed as though I was putting them out to do this although they never actually said anything to this extent I just felt it. Very quick to get this done and off their desk.
Date: September 01, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
When I quote this I'm always right in the same amount no matter where I go. I've had this company now for years and they seem to do a good job, however, I've never submitted a claim so I don't know how well they do there. They work with me, I had a lower quote once they matched it.
Date: August 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Website/App
I really don't use their site often but I took a quick look here and it is decent. I think it's a little difficult to find some things like my own personal account. Seems like a large company who offer a lot of different insurance products. The overall design is good.
Date: March 10, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
My main house is covered and any other structures. It covers damage form weather fire and other occurrences. I think it also covers lose of property and goods. It covers medical payments and loss of use.
Nationwide Home Insurance Reviews
Date: September 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Website/App
The website is navigable, but not anything special. I can find what I need without too much trouble, but I don't have anything else to report about it. No strong feelings either way.
Date: August 04, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
Even though I've had some bad luck on the technical side of creating my account and such, the help has been really fantastic. Whenever I do have to call in, the reps are always friendly and listen well.
Date: August 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
If any disaster happens, I know that I am covered, at least financially, for all of my belongings in my home.
Date: June 14, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
I like the customer service and interactions on that side of things, but I get annoyed with all the emails they send with "helpful tips" on things around the house, or for my car. If I needed tips, I'd Google.
Date: May 15, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
I think the premium is about the same. I obviously only have one insurance company for home insurance, but in the past, the quotes have been similar from other places.
New Jersey Manufacturers Insurance Company Home Insurance Reviews
Date: February 15, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
I think their dividend is a fantastic opportunity for members. They have good coverage on hurricane, dwelling, and land valuations. They have a fanstatic customer service.
Date: February 15, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
My insurance company is great, when we were purchasing our home they were very quick to create and update our policy as needed throughout the process.
Date: January 12, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
From what I know about my current insurance policy everything is covered except what they call "acts of god" and flood damage. This is fairly standard coverage across the industry.
GEICO Home Insurance Reviews
Date: December 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
OK that is the only thing I can compare is the deductible and from what I've researched - Geico is still the most economical and the most reasonable - so I stick with my comparison of prices to other home insurance companies.
Date: October 19, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I like that the wait time for geico is minimal. I have never been on hold for more than 1 minute. They are all exceptional at their jobs.
Progressive Home Insurance Reviews
Date: March 30, 2019 Age: Above 60 Gender: Male Marital Status: Married
Premium
The premium and deductible on my policy are less than other companies. I compared five other companies before I made my decision.
Allstate Home Insurance Reviews
Date: November 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
My insurance offers many discounts for safe driving, being a student, having a paypal and having a good driving record. They also offer rewards that you can add up to have money taken off your bill or buy things at a discounted rate.
Narragansett Bay Insurance Company Home Insurance Reviews
Date: February 01, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
The premium I pay is considerably lower than competitors for the same coverage. I have a standard deductible of $1,000, which is on par with most comparable policies for the same price and coverage. I feel my rate is fair and actually saw a decrease for 2019 on my premium.