Gavop's guide to buying homeowners insurance in Livingston, 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.
| Livingston, NJ - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Sherbrooke Pkwy, Dellmead Dr, Redwood Rd, Mountain Ridge Dr, Rockledge Dr, Meadowbrook Rd, Brayton Rd, W Mount Pleasant Ave, Schindler Way, Foxcroft Dr | $293,500 | $250,000 | $250,000-$300,000 | $501,500 | $470,000 | $500,000-$600,000 |
| Wahler Rd, Baldwin Ter, Alcott Dr, Walton Ln, Bear Brook Ct, Drummond Ter, Kredel Ave, Pine Valley Rd, Columbia Rd, Arden Rd | $485,000 | $410,000 | $500,000-$600,000 | $609,500 | $560,000 | $500,000-$600,000 |
| Bryant Dr, Burgundy Ct, Windermere Ct, E Mount Pleasant Ave, Sycamore Ave, Sterling Dr, Grasmere Ct, Split Rock Rd, Pebble Beach Dr, Sylvan Ct | $412,500 | $350,000 | $350,000-$400,000 | $894,000 | $770,000 | $900,000-$1,000,000 |
| Chadwick Rd, Stoneham Dr, Wynnewood Rd, S Mitchell Ave, Belvidere Dr, Eton Rd, Stratford Dr, Kathay Dr, Woodcrest Dr, Highland Dr | $557,500 | $470,000 | $600,000-$700,000 | $680,500 | $630,000 | $600,000-$700,000 |
| Carteret Rd, Orchard Ln, Lafayette Dr, Glendale Ave, Cedar Gate Rd, Eisenhower Pkwy, Allwood Ter, Wilshire Dr, Dogwood Ter, N Ridge Rd | $500,500 | $450,000 | $400,000-$500,000 | $894,500 | $770,000 | $900,000-$1,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $898 |
| Superior Protection Discount | -$106 | $951 |
| Fire & Security Discount | -$116 | $940 |
| Hail Resistant Roof Discount | -$32 | $1,025 |
| Newly Constructed Home Discount | -$285 | $771 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,319 |
| Hail Damage | $4,948 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $16,051 |
| Home Insurance Company Livingston, NJ | Homeowners Insurance Agency Livingston, NJ | Address | Popularity Score | Distance from Livingston (miles) |
|---|---|---|---|---|
| State Farm | Zanetta Glover | 570 Broad St Ste 114, Newark, NJ, 07102-4518 | 8.9 | |
| Travelers | Daman Associates Inc | 808 High Mountain Rd Ste 220, Franklin Lakes, NJ, 7417 | 15.6 | |
| Travelers | Fraser Brothers Group Llc | 811 Amboy Avenue, Edison, NJ, 8837 | 17.6 | |
| Allstate | James Fitzsimmons | 499 Morris Ave, Springfield, NJ, 7081 | 4.9 | |
| Allstate | Daniel Tichio | 405 Rochelle Ave Fl 2, Rochelle Park, NJ, 7662 | 15.8 | |
| Travelers | Cbiz Insurance Services Inc | 219 South St, New Providence, NJ, 7974 | 7.1 | |
| State Farm | Chris Sules | 780 Northfield Avenue, West Orange, NJ, 7052 | 2.0 | |
| Travelers | 1st Financial Insurance Agency Inc | 2040 Millburn Ave Ste 404, Maplewood, NJ, 7040 | 5.3 | |
| Travelers | Max Safrin Agency Inc | 2266 Springfiield Ave, Vauxhall, NJ, 7088 | 5.3 | |
| State Farm | Dennis Lamb | 267 Main St, Chester, NJ, 07930-2528 | 18.9 |
| 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 |
| Essex County, NJ | $362,300 | $1,096 | $730 | $1,520 | $790 |
| Livingston, NJ | $599,100 | $1,057 | $720 | $1,460 | $740 |
| North Arlington, NJ | $347,800 | $811 | $580 | $1,150 | $570 |
| South Hackensack, NJ | $365,100 | $1,186 | $840 | $1,670 | $830 |
| Little Ferry, NJ | $323,300 | $912 | $630 | $1,290 | $660 |
| Port Reading, NJ | $283,700 | $1,008 | $720 | $1,420 | $700 |
| West New York, NJ | $316,200 | $996 | $680 | $1,420 | $740 |
| Emerson, NJ | $465,600 | $982 | $710 | $1,400 | $690 |
| Mount Vernon, NY | $355,600 | $1,373 | $950 | $1,950 | $1,000 |
| Wesley Hills, NY | $567,600 | $850 | $610 | $1,220 | $610 |
| New Village, NJ | $232,000 | $916 | $620 | $1,290 | $670 |
| Allenhurst, NJ | $1,117,600 | $2,919 | $2,130 | $4,060 | $1,930 |