How Can I Make My Newark, NJ Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Newark, NJ by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Newark, NJ Home Insurance Coverage Levels | Back to Top
| Newark, NJ - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Fillmore St, Pomona Ave, Rose St, Hazelwood Ave, Bruce St, Vincent Ct, Eagles St, Center Ter, Mount Vernon Pl, Jacob St | $166,500 | $150,000 | $175,000-$200,000 | $226,000 | $210,000 | $200,000-$250,000 |
| Abington Ave W, US Hwy 9, Burnet St, Ricord St, Roanoke Ave, State Rte 27, 2nd Ave W, W Alpine St, Goble St, Frontage Rd | $202,000 | $180,000 | $200,000-$250,000 | $267,500 | $220,000 | $200,000-$250,000 |
| Delancy St, N 8th St, Fleming Ave, Winthrop St, Lentz Ave, Garden St, Calcutta St, Carmen Ct, Oriental Pl, Hedden Ter | $198,000 | $160,000 | $200,000-$250,000 | $407,000 | $380,000 | $400,000-$500,000 |
| Seton Hall Dr, Pacific St, Rose St, Midland Pl, Barclay St, Homestead Park, N 9th St, Loretto St, Badger Ave, Shanley Ave | $300,500 | $270,000 | $300,000-$350,000 | $387,500 | $340,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in Newark, NJ | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$138 | $725 |
| Superior Protection Discount | -$78 | $785 |
| Fire & Security Discount | -$95 | $768 |
| Hail Resistant Roof Discount | -$17 | $846 |
| Newly Constructed Home Discount | -$173 | $690 |
Choose the Right Deductible for your Newark, NJ Home | Back to Top
| 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 |
| Essex County | $2,000 | $1,082 | $3,082 | $787 | $2,787 | $296 |
| Newark, NJ | $700 | $853 | $1,553 | $620 | $1,320 | $233 |
| Millburn, NJ | $200 | $780 | $980 | $567 | $767 | $213 |
| Garfield, NJ | $1,500 | $1,009 | $2,509 | $733 | $2,233 | $276 |
| Ridgefield Park, NJ | $100 | $1,080 | $1,180 | $785 | $885 | $295 |
| Ramsey, NJ | $1,500 | $988 | $2,488 | $718 | $2,218 | $270 |
| Plandome Heights, NY | $300 | $1,026 | $1,326 | $745 | $1,045 | $280 |
| Orangeburg, NY | $1,500 | $2,138 | $3,638 | $1,554 | $3,054 | $584 |
| Orangetown, NY | $100 | $1,559 | $1,659 | $1,133 | $1,233 | $426 |
| Plandome Manor, NY | $2,000 | $994 | $2,994 | $722 | $2,722 | $272 |
| Airmont, NY | $300 | $1,177 | $1,477 | $855 | $1,155 | $322 |
| Byram, NJ | $700 | $828 | $1,528 | $602 | $1,302 | $226 |
Identify Top Home Insurance Agents near Newark, NJ | Back to Top
| Home Insurance Company Newark, NJ | Homeowners Insurance Agency Newark, NJ | Address | Popularity Score | Distance from Newark (miles) |
|---|---|---|---|---|
| State Farm | Tawanda Jackson | 688 Highway 440, Jersey City, NJ, 07304-1059 | 4.2 | |
| Liberty Mutual Independent | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 16.0 | |
| Liberty Mutual Independent | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 16.0 | |
| Farmers | Lenny Zaytsev | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 17.5 | |
| Allstate | James Fitzsimmons | 499 Morris Ave, Springfield, NJ, 7081 | 7.9 | |
| Travelers | Abbott Insurance Agency | 705 Ridge Rd, Lyndhurst, NJ, 7071 | 5.9 | |
| State Farm | Jodi Schoenlank | 1941 Oak Tree Rd Ste 103, Edison, NJ, 08820-2069 | 14.5 | |
| Travelers | Ringler Insurance Agency Inc | 2225 Morris Ave, Union, NJ, 7083 | 5.9 | |
| Allstate | Freddy Duran | 1025 Summit Ave, Jersey City, NJ, 7307 | 6.7 | |
| State Farm | Thomas Tobin | 1033 Clifton Ave Ste 208, Clifton, NJ, 07013-3517 | 9.5 |
Compare Rates for Newark, 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 | $790 | $1,500 | $710 |
| Essex County, NJ | $362,300 | $1,096 | $730 | $1,520 | $790 |
| Newark, NJ | $222,800 | $863 | $590 | $1,230 | $640 |
| Millburn, NJ | $1,057,500 | $789 | $540 | $1,120 | $580 |
| Garfield, NJ | $329,100 | $1,021 | $680 | $1,440 | $760 |
| Ridgefield Park, NJ | $326,700 | $1,093 | $790 | $1,510 | $720 |
| Ramsey, NJ | $555,200 | $1,000 | $710 | $1,420 | $710 |
| Plandome Heights, NY | $1,111,300 | $1,038 | $750 | $1,480 | $730 |
| Orangeburg, NY | $449,400 | $2,164 | $1,560 | $3,050 | $1,490 |
| Orangetown, NY | $472,800 | $1,577 | $1,120 | $2,240 | $1,120 |
| Plandome Manor, NY | $1,557,700 | $1,006 | $720 | $1,430 | $710 |
| Airmont, NY | $470,600 | $1,191 | $850 | $1,640 | $790 |
| Byram, NJ | $278,400 | $838 | $600 | $1,160 | $560 |
Research Home Insurance Companies Reviews in Newark, NJ Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: April 05, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
Standard home insurance coverage, affordable premiums. I have only had this insurance a very short time.
Date: February 08, 2019 Age: Above 60 Gender: Female Marital Status: Married
Policy Offerings
State Farm is the best for my needs in home insurance because they take the time to give all options available as well as competitive rates.
Date: November 05, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
Everything in our house is covered up to 100,000. We don't have flood insurance on our home though and it has flooded once due to an outage. It covers roof damage, burns on anything in house. It does cover theft also.
Date: September 24, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
Everything about State Farm has been positive and I have yet to find anything to complain about.
Date: August 31, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
My home insurance covers theft, flood, and other natural disasters. My maximum coverage amount is around 175,000. I have my home insurance bundled in with my car insurance and I also help my friend has his renters insurance on my policy as well.
Date: July 30, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I have yet to have a negative experience with State Farm so far. Every time I do have to call to sort out an issue everyone is on top of things and it gets solved quickly.
Date: March 31, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
I used to have my insurance through Geico and with State Farm I get 4 more discounts than with Geico so I end up saving about an extra $50 a month on my insurance.
Date: January 25, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
The website and mobile app for State Farm are extremely easy to navigate and use. I pay all of my bills online plus i am able to view my policies online as well.
AAA Home Insurance Reviews
Date: October 02, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
Customer service is almost non-existent with my home insurance company. Hard to find the right number to call, hard to speak to a real person and hard to know what is all included when I do get to speak with someone.
Date: September 24, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
As far as I know, everything is covered, including total replacement of structure and personal belongings inside the house. Also should include medical expenses.
Date: September 22, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
From the research I did before purchasing current insurance, my current premium is very competitive to be the best price for the coverage that is offered.
Date: July 30, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Communication
It seems that no one knows what's going on with my current coverage. They say they'll get back to me but it generally takes three to four time reaching out to them before I actually get a response.
Date: May 03, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Website/App
It is hard to get a hold of the agent and know exactly what is covered. Hard to navigate the website and takes too long to recover login information.
NJM Insurance Group Home Insurance Reviews
Date: December 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
When I did the comparison when shopping for Home insurance NJM was not the cheapest company but I get to have a single point of contact when filing a claim for home or auto.
New Jersey Manufacturers Insurance Company Home Insurance Reviews
Date: December 12, 2018 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 pretty standard coverage for where I live.
Nationwide Home Insurance Reviews
Date: November 21, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
The offerings that our company offers seems so superior to other policy offerings. The previous company we switched from didn't have near the offerings that Nationwide offers its customers.
Allstate Home Insurance Reviews
Date: September 18, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I am relatively satisfied with my premium. It has stayed the same for a few years and seems to be more reasonably priced than other comparable companies. It is very affordable as well.
GEICO Home Insurance Reviews
Date: July 13, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
I love working with Geico on keeping my home safe and insured. I shopped around and got a wonderful deal on insurance that really fit my wants and needs for coverage.
Amica Mutual Insurance Home Insurance Reviews
Date: August 12, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
They have much lower premiums than other insurance companies I have received a quote from.
Farmer's Insurance Home Insurance Reviews
Date: October 15, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
Actually the plan of this home insurance company is so nice. They helps to keep our some part of earnings as savings and returns it when needed.