Gavop's guide to buying homeowners insurance in Oceanport, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $103,000 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $285,000 | $240,000 | $300,000-$350,000 |
| 3 Bedroom | $324,000 | $270,000 | $350,000-$400,000 |
| 4 Bedroom | $397,500 | $330,000 | $300,000-$350,000 |
| 5 Bedroom | $844,000 | $790,000 | $900,000-$1,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$155 | $879 |
| Superior Protection Discount | -$93 | $941 |
| Fire & Security Discount | -$93 | $941 |
| Hail Resistant Roof Discount | -$21 | $1,013 |
| Newly Constructed Home Discount | -$258 | $775 |
| 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 |
| Monmouth County | $2,500 | $1,175 | $3,675 | $854 | $3,354 | $321 |
| Oceanport, NJ | $1,000 | $1,021 | $2,021 | $742 | $1,742 | $279 |
| Robertsville, NJ | $100 | $980 | $1,080 | $712 | $812 | $268 |
| Carteret, NJ | $2,500 | $812 | $3,312 | $590 | $3,090 | $222 |
| Hewlett Neck, NY | $400 | $695 | $1,095 | $505 | $905 | $190 |
| South Orange Village, NJ | $700 | $985 | $1,685 | $716 | $1,416 | $269 |
| Hillsborough, NJ | $400 | $1,185 | $1,585 | $861 | $1,261 | $324 |
| Morris, NJ | $2,500 | $1,000 | $3,500 | $727 | $3,227 | $273 |
| Babylon, NY | $400 | $1,290 | $1,690 | $938 | $1,338 | $353 |
| Melville, NY | $1,000 | $840 | $1,840 | $610 | $1,610 | $229 |
| Lattingtown, NY | $400 | $1,026 | $1,426 | $746 | $1,146 | $280 |
| Ardsley, NY | $1,500 | $2,738 | $4,238 | $1,990 | $3,490 | $748 |
| Home Insurance Company Oceanport, NJ | Homeowners Insurance Agency Oceanport, NJ | Address | Popularity Score | Distance from Oceanport (miles) |
|---|---|---|---|---|
| Travelers | Bay Agency Insurance Group Inc | 93 E River Rd, Rumson, NJ, 7760 | 4.1 | |
| State Farm | Anita Dasilva | 960 Kinderkamack Rd, River Edge, NJ, 07661-2331 | 43.1 | |
| State Farm | Ellen Nita | 33 State Rd Ste A1, Princeton, NJ, 08540-1304 | 34.2 | |
| State Farm | Ed Vannelli | 166 Fairview Ave Ste A, Westwood, NJ, 07675-2279 | 46.6 | |
| Travelers | The Insurance Place | 35 Legion Dr, Bergenfield, NJ, 7621 | 42.2 | |
| Travelers | Chibbaro Bros Central Jersey Group | 1151 Broad St Ste 218, Shrewsbury, NJ, 8902 | 2.3 | |
| State Farm | Suzanne Ro | 559 Bergen Blvd, Ridgefield, NJ, 07657-2020 | 35.3 | |
| State Farm | Candida Seymour | 4017 Bergenline Ave, Union City, NJ, 07087-4919 | 31.8 | |
| State Farm | Camille Kiste | 178 Route 35, Eatontown, NJ, 07724-1883 | 2.4 | |
| Allstate | Kerry Mills | 555 Newman Springs Rd, Lincroft, NJ, 7738 | 5.2 |
| 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 |
| Monmouth County, NJ | $396,200 | $1,189 | $870 | $1,650 | $780 |
| Oceanport, NJ | $441,600 | $1,034 | $750 | $1,480 | $730 |
| Robertsville, NJ | $468,600 | $992 | $720 | $1,370 | $650 |
| Carteret, NJ | $267,500 | $822 | $570 | $1,130 | $560 |
| Hewlett Neck, NY | $1,062,500 | $703 | $470 | $960 | $490 |
| South Orange Village, NJ | $553,100 | $997 | $690 | $1,380 | $690 |
| Hillsborough, NJ | $411,700 | $1,200 | $860 | $1,700 | $840 |
| Morris, NJ | $564,900 | $1,013 | $680 | $1,400 | $720 |
| Babylon, NY | $343,700 | $1,306 | $940 | $1,820 | $880 |
| Melville, NY | $635,000 | $850 | $610 | $1,160 | $550 |
| Lattingtown, NY | $1,112,000 | $1,039 | $700 | $1,460 | $760 |
| Ardsley, NY | $620,200 | $2,771 | $1,880 | $3,960 | $2,080 |