Gavop shows you how to buy homeowners insurance in Point Pleasant, 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 | $109,000 | $100,000 | $100,000-$125,000 |
| 2 Bedroom | $239,000 | $220,000 | $175,000-$200,000 |
| 3 Bedroom | $273,000 | $250,000 | $300,000-$350,000 |
| 4 Bedroom | $619,000 | $540,000 | $500,000-$600,000 |
| 5 Bedroom | $821,500 | $770,000 | $800,000-$900,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $731 |
| Superior Protection Discount | -$85 | $765 |
| Fire & Security Discount | -$77 | $774 |
| Hail Resistant Roof Discount | -$17 | $833 |
| Newly Constructed Home Discount | -$196 | $655 |
| 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 |
| Ocean County | $1,500 | $929 | $2,429 | $675 | $2,175 | $254 |
| Point Pleasant, NJ | $1,000 | $840 | $1,840 | $611 | $1,611 | $230 |
| Loch Arbour, NJ | $300 | $2,688 | $2,988 | $1,954 | $2,254 | $735 |
| Holiday City-Berkeley, NJ | $2,500 | $724 | $3,224 | $526 | $3,026 | $198 |
| Port Monmouth, NJ | $100 | $1,006 | $1,106 | $731 | $831 | $275 |
| South Amboy, NJ | $1,000 | $829 | $1,829 | $603 | $1,603 | $227 |
| Lawrence, NJ | $300 | $853 | $1,153 | $620 | $920 | $233 |
| Bayonne, NJ | $2,500 | $981 | $3,481 | $713 | $3,213 | $268 |
| Queens County, NY | $500 | $1,094 | $1,594 | $795 | $1,295 | $299 |
| Newark, NJ | $2,500 | $853 | $3,353 | $620 | $3,120 | $233 |
| Merrick, NY | $200 | $836 | $1,036 | $607 | $807 | $228 |
| Uniondale, NY | $1,500 | $995 | $2,495 | $723 | $2,223 | $272 |
| Home Insurance Company Point Pleasant, NJ | Homeowners Insurance Agency Point Pleasant, NJ | Address | Popularity Score | Distance from Point Pleasant (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | American Insurance Services | 1129 Raritan Rd, Clark, NJ, 7066 | 40.1 | |
| State Farm | John Klein | 505 Boulevard, Kenilworth, NJ, 07033-1603 | 42.9 | |
| Allstate | James Fitzsimmons | 499 Morris Ave, Springfield, NJ, 7081 | 46.0 | |
| Liberty Mutual Independent | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 35.7 | |
| Liberty Mutual Independent | Kennedy & Ward Insurance Agency | 1 Industrial Way W Bldg A Ste J, Eatontown, NJ, 7724 | 13.7 | |
| Allstate | Tom Estes | 343 Millburn Ave Ste 304, Millburn, NJ, 7041 | 46.3 | |
| Travelers | Green Insurance Agency | 3146 Route 88, Point Pleasant, NJ, 8742 | 0.9 | |
| Allstate | Rossana Benavides | 4914 Kennedy Blvd W Ste 202, West New York, NJ, 7093 | 48.7 | |
| Allstate | Nicholas San Filippo | 2175 Route 35 Ste 2, Sea Girt, NJ, 8750 | 4.1 | |
| State Farm | Steve Meehan | 617 Route 37 W, Toms River, NJ, 08755-8007 | 11.4 |
| 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 |
| Ocean County, NJ | $267,900 | $940 | $640 | $1,340 | $700 |
| Point Pleasant, NJ | $368,700 | $850 | $580 | $1,160 | $580 |
| Loch Arbour, NJ | $991,100 | $2,721 | $1,880 | $3,860 | $1,980 |
| Holiday City-Berkeley, NJ | $145,800 | $733 | $540 | $1,000 | $460 |
| Port Monmouth, NJ | $289,000 | $1,018 | $740 | $1,450 | $710 |
| South Amboy, NJ | $278,900 | $839 | $610 | $1,160 | $550 |
| Lawrence, NJ | $294,600 | $864 | $600 | $1,180 | $580 |
| Bayonne, NJ | $314,800 | $993 | $680 | $1,400 | $720 |
| Queens County, NY | $481,300 | $1,107 | $800 | $1,580 | $780 |
| Newark, NJ | $222,800 | $863 | $580 | $1,230 | $650 |
| Merrick, NY | $543,400 | $846 | $570 | $1,200 | $630 |
| Uniondale, NY | $337,900 | $1,007 | $710 | $1,380 | $670 |