Gavop's guide to buying homeowners insurance in Caldwell, 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.
| Caldwell, NJ - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Dorset Cir, Old Chester Rd, Arlington Ct, Central Pl, Provost Sq, Ashland St, Bowers Rd, White Birch Ter, Cleveland Rd, Oak Grove Rd | $191,000 | $170,000 | $200,000-$250,000 | $303,000 | $280,000 | $300,000-$350,000 |
| Cooks Ln, Elm Rd, Domessina Ln, Grover Ln, Park Ln, Seymour St, Cedars Rd, Academy Rd, Jackson Pl, Westover Ave | $191,000 | $160,000 | $175,000-$200,000 | $380,000 | $330,000 | $300,000-$350,000 |
| Birkendene Rd, Lincoln Ter, Ward Pl, Caton Ter, Elizabeth St, Orient Way, Gould Pl, Hatfield St, Oak Ridge Rd, Erwin Pl | $330,500 | $310,000 | $250,000-$300,000 | $441,500 | $380,000 | $350,000-$400,000 |
| Wakefield Pl, Parkway W, Ryerson Ave, Lockward Rd, Francis Pl, Westville Ave, Ella Rd, Beekman Hill Rd, Personette St, Highview Rd | $264,500 | $230,000 | $250,000-$300,000 | $408,000 | $340,000 | $350,000-$400,000 |
| Orchard Sq, Parkway E, Washburn Pl, Knollwood Ter, Kirkwood Pl, Welshman Ct, Ferndale Rd, Smull Ave, Fells Manor Rd, Magnolia Ln | $388,500 | $350,000 | $350,000-$400,000 | $596,000 | $520,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$180 | $821 |
| Superior Protection Discount | -$90 | $912 |
| Fire & Security Discount | -$90 | $912 |
| Hail Resistant Roof Discount | -$20 | $982 |
| Newly Constructed Home Discount | -$240 | $761 |
| 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 |
| Essex County | $1,000 | $1,082 | $2,082 | $787 | $1,787 | $296 |
| Caldwell, NJ | $700 | $990 | $1,690 | $719 | $1,419 | $270 |
| Dumont, NJ | $300 | $832 | $1,132 | $604 | $904 | $227 |
| Park Ridge, NJ | $1,000 | $976 | $1,976 | $709 | $1,709 | $267 |
| Richmond County, NY | $500 | $1,496 | $1,996 | $1,087 | $1,587 | $409 |
| Bronx County, NY | $2,500 | $1,448 | $3,948 | $1,052 | $3,552 | $396 |
| Garden City South, NY | $200 | $2,324 | $2,524 | $1,689 | $1,889 | $635 |
| Riverside, CT | $1,000 | $910 | $1,910 | $661 | $1,661 | $249 |
| Knowlton, NJ | $200 | $998 | $1,198 | $725 | $925 | $273 |
| Old Bethpage, NY | $2,500 | $842 | $3,342 | $612 | $3,112 | $230 |
| Loch Arbour, NJ | $200 | $2,688 | $2,888 | $1,954 | $2,154 | $735 |
| Gold Key Lake, PA | $1,500 | $634 | $2,134 | $461 | $1,961 | $173 |
| Home Insurance Company Caldwell, NJ | Homeowners Insurance Agency Caldwell, NJ | Address | Popularity Score | Distance from Caldwell (miles) |
|---|---|---|---|---|
| State Farm | Mary Comito | 340 Main St Ste 7, Madison, NJ, 07940-2363 | 8.9 | |
| Farmers | Claudio Sarrido | 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054 | 9.2 | |
| State Farm | Michael Bush | 1293 Broad St Ste 3, Bloomfield, NJ, 07003-3060 | 5.0 | |
| Farmers | Leslie Lassen | 1915 Morris Ave Fl 2, Union, NJ, 7083 | 9.9 | |
| Allstate | Greg Adamo - Adamo Financial Agency | 135 Main St, Madison, NJ, 7940 | 9.1 | |
| Travelers | Budd Agency Inc | 600 Avenue A , Phillipsburg, NJ, 8865 | 47.7 | |
| Travelers | Firm Inc | One Lethbridge Plz Ste 30, Mahwah, NJ, 7430 | 18.2 | |
| State Farm | Bert Sweeney | 35 Beechwood Rd Ste 3d, Summit, NJ, 07901-4604 | 9.4 | |
| Travelers | Sas Insurance Agency Inc | 233 Kearny Ave, Kearny, NJ, 7032 | 8.6 | |
| Allstate | Andrea Debenedetto | 1 Kinderkamack Rd, Oradell, NJ, 7649 | 14.7 |
| 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 | $720 | $1,480 | $760 |
| Essex County, NJ | $362,300 | $1,096 | $740 | $1,570 | $830 |
| Caldwell, NJ | $431,100 | $1,002 | $720 | $1,420 | $700 |
| Dumont, NJ | $364,500 | $842 | $560 | $1,200 | $640 |
| Park Ridge, NJ | $546,000 | $988 | $670 | $1,360 | $690 |
| Richmond County, NY | $460,200 | $1,514 | $1,110 | $2,130 | $1,020 |
| Bronx County, NY | $371,800 | $1,465 | $980 | $2,010 | $1,030 |
| Garden City South, NY | $510,900 | $2,352 | $1,720 | $3,220 | $1,500 |
| Riverside, CT | $1,262,400 | $921 | $650 | $1,310 | $660 |
| Knowlton, NJ | $285,000 | $1,010 | $740 | $1,380 | $640 |
| Old Bethpage, NY | $570,000 | $852 | $610 | $1,180 | $570 |
| Loch Arbour, NJ | $991,100 | $2,721 | $1,990 | $3,780 | $1,790 |
| Gold Key Lake, PA | $120,000 | $642 | $460 | $910 | $450 |