Gavop shows you how to buy homeowners insurance in Avenel, 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 | $92,000 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $180,500 | $150,000 | $200,000-$250,000 |
| 3 Bedroom | $288,500 | $260,000 | $200,000-$250,000 |
| 4 Bedroom | $368,000 | $340,000 | $300,000-$350,000 |
| 5 Bedroom | $274,500 | $260,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $684 |
| Superior Protection Discount | -$82 | $742 |
| Fire & Security Discount | -$58 | $766 |
| Hail Resistant Roof Discount | -$25 | $799 |
| Newly Constructed Home Discount | -$222 | $602 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,759 |
| Hail Damage | $5,211 |
| Wind Damage | $10,517 |
| Expensive Claims | |
| Fire | $37,492 |
| Accidental Discharge/Leakage | $8,711 |
| Optional Coverage Losses | $7,826 |
| Home Insurance Company Avenel, NJ | Homeowners Insurance Agency Avenel, NJ | Address | Popularity Score | Distance from Avenel (miles) |
|---|---|---|---|---|
| Allstate | Robert L Cella | 16 Skyline Lake Dr Ste 5a, Ringwood, NJ, 7456 | 33.5 | |
| Travelers | True & Associates | 325 N Ave E, Westfield, NJ, 7090 | 5.9 | |
| Allstate | Tom Estes | 343 Millburn Ave Ste 304, Millburn, NJ, 7041 | 9.8 | |
| State Farm | Frantz Gaston Jr | 750 Broadway Ste D, Paterson, NJ, 07514-1332 | 24.0 | |
| Travelers | Max Safrin Agency Inc | 2266 Springfiield Ave, Vauxhall, NJ, 7088 | 9.3 | |
| State Farm | Justin Bush | 6136 Washington St, West New York, NJ, 07093-1519 | 19.6 | |
| State Farm | Charlie Sangermano | 3386 Quakerbridge Rd, Hamilton, NJ, 08619-1202 | 31.6 | |
| Travelers | Stern & Dragoset Agency | 2 Ethel Rd Suite 202b, Edison, NJ, 8817 | 7.1 | |
| Travelers | Fallivene Agency Inc | 1025 Bloomfield Ave West Caldwell, West Caldwell, NJ, 7006 | 18.7 | |
| Travelers | Johl & Company | 199 Center Avenue, Westwood, NJ, 7675 | 30.8 |
| 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 | $1,480 | $690 |
| Middlesex County, NJ | $329,000 | $1,021 | $690 | $1,450 | $760 |
| Avenel, NJ | $269,000 | $824 | $590 | $1,170 | $580 |
| West Orange, NJ | $370,200 | $1,116 | $750 | $1,570 | $820 |
| Ridgefield, NJ | $447,300 | $1,052 | $720 | $1,450 | $730 |
| Totowa, NJ | $370,200 | $853 | $580 | $1,170 | $590 |
| Rocky Hill, NJ | $484,400 | $1,672 | $1,140 | $2,390 | $1,250 |
| Hillburn, NY | $298,800 | $1,195 | $800 | $1,680 | $880 |
| Holiday City South, NJ | $147,600 | $738 | $520 | $1,020 | $500 |
| Ossining, NY | $440,300 | $1,416 | $1,020 | $2,010 | $990 |
| Lopatcong, NJ | $259,300 | $810 | $590 | $1,120 | $530 |
| Portland, PA | $162,500 | $730 | $530 | $1,010 | $480 |