Gavop's guide to buying homeowners insurance in West Milford, 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.
| West Milford, 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 | |
| Pilot Ave, Garwood Rd, Daniel Dr, Elizabeth Rd, Alpine Ridge Rd, Garrett Ct, Nelson Pl, Smithville Rd, Land of Oaks Dr, Alpine Ct | $348,000 | $330,000 | $350,000-$400,000 | $180,000 | $170,000 | $175,000-$200,000 |
| Landing Rd, Gleason Rd, Sisco Rd, Kitchell Lake Dr, Lake Park Ter, Windsor Rd, Albertine Pl, Timber Ln, Upsala Path, Schoolhouse Cove Rd | $275,500 | $240,000 | $250,000-$300,000 | $168,500 | $140,000 | $175,000-$200,000 |
| Clubhouse Rd, Quince Tree Ln, Coventry Rd, Yancy Ter, Leonard Ave, Paterson Hamburg Tpke, Ferber Ln, Post Brook Rd S, Mountain Springs Rd, Metuchen Rd | $441,000 | $350,000 | $400,000-$500,000 | $276,000 | $240,000 | $300,000-$350,000 |
| Spinner Dr, Risley Rd, Frederick Dr, Shadowy Ln, Relda Ave, Slater Rd, Community Pl, Morsetown Rd, Snake Den Rd, Bradrick Ln | $326,000 | $280,000 | $250,000-$300,000 | $207,500 | $180,000 | $200,000-$250,000 |
| Wallisch Ave, Windbeam Ave, Washington Ln, Sawmill Rd, Conklin Rd, Forge Rd, Otterhole Rd, Lake Shore Dr, Burrow Rd, Starlight Rd | $204,000 | $180,000 | $200,000-$250,000 | $176,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$161 | $685 |
| Superior Protection Discount | -$85 | $761 |
| Fire & Security Discount | -$76 | $770 |
| Hail Resistant Roof Discount | -$17 | $829 |
| Newly Constructed Home Discount | -$237 | $609 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,440 |
| Hail Damage | $4,853 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $15,884 |
| Home Insurance Company West Milford, NJ | Homeowners Insurance Agency West Milford, NJ | Address | Popularity Score | Distance from West Milford (miles) |
|---|---|---|---|---|
| State Farm | Derek Vannelli | 1212 Route 23 Ste 2, Butler, NJ, 07405-2039 | 8.0 | |
| State Farm | Rod Pianelli | 107 Greenwich Street, Stewartsville, NJ, 8886 | 47.5 | |
| Allstate | Jim Murasko | 36b Main St, Bloomingdale, NJ, 7403 | 7.6 | |
| State Farm | Tom Ziegenbalg | 1489 Union Valley Rd, West Milford, NJ, 07480-1361 | 2.8 | |
| Allstate | Richard Caivano | 400 Ramapo Valley Rd, Oakland, NJ, 7436 | 9.6 | |
| Allstate | Robert L Cella | 16 Skyline Lake Dr Ste 5a, Ringwood, NJ, 7456 | 6.5 | |
| Travelers | Volk Insurance Group Llc | 440 S Main St, Milltown, NJ, 8850 | 45.4 | |
| State Farm | Michelle Jegge | 42 Hamburg Tpke, Riverdale, NJ, 07457-1169 | 8.5 | |
| Travelers | Drp Insurance Associates Inc | 535 Ave , Harrison, NJ, 7029 | 27.4 | |
| State Farm | Gerard Ciraulo | 458 Hamburg Tpke, Wayne, NJ, 07470-8439 | 14.0 |
| 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 | $1,550 | $810 |
| Passaic County, NJ | $333,200 | $1,030 | $690 | $1,470 | $780 |
| West Milford, NJ | $283,100 | $846 | $570 | $1,160 | $590 |
| Millburn, NJ | $1,057,500 | $789 | $530 | $1,110 | $580 |
| Birchwood Lakes, PA | $135,200 | $675 | $470 | $970 | $500 |
| Firthcliffe, NY | $283,600 | $1,116 | $750 | $1,540 | $790 |
| Gold Key Lake, PA | $120,000 | $642 | $430 | $910 | $480 |
| Somers, NY | $494,600 | $843 | $620 | $1,210 | $590 |
| East Stroudsburg, PA | $148,600 | $654 | $440 | $930 | $490 |
| New Hyde Park, NY | $499,000 | $848 | $590 | $1,200 | $610 |
| Stewart Manor, NY | $570,200 | $2,583 | $1,780 | $3,560 | $1,780 |
| Bloomsbury, NJ | $247,200 | $943 | $640 | $1,350 | $710 |
| Greenwich, NJ | $334,500 | $789 | $540 | $1,110 | $570 |