Gavop's guide to buying homeowners insurance in Jefferson, 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.
| Jefferson, 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 | |
| Margaret Rd, Tiger Dr, Diamond Dr, Pembroke Ct, S Georgia Ave, Ferris, Kate's Turn, Milton Rd, Meredith Ct, White Birch Trl | $229,000 | $210,000 | $200,000-$250,000 | $327,000 | $270,000 | $300,000-$350,000 |
| Hurdtown W, State Rte 171, W Lakeview Trl, Fernwood Ave, Virginia Ave S, Millburn Dr, Sparrow Ct, Rose Dr, Terry Pl, Shawnee Pkwy | $198,500 | $170,000 | $175,000-$200,000 | $321,500 | $280,000 | $250,000-$300,000 |
| Morgan Ln, Green Pond Rd, Edgewater Ave, Toltec Trl, Weldon Rd, Shawnee Trl, Taylor Rd, N Beach Rd, State Rte 181, Rosemont Rd | $290,500 | $260,000 | $300,000-$350,000 | $574,000 | $490,000 | $600,000-$700,000 |
| E Smith St, Georgia Ave, Eagles Dr, Rock Ridge Rd, Nolans Point Rd, Blue Heron Ln, Harbor Dr, Carib Trl, Vail Pass, Yuma Trl | $238,500 | $200,000 | $250,000-$300,000 | $359,500 | $320,000 | $250,000-$300,000 |
| Sycamore St, Sachem Rd, Louisiana Ave, Mirror Pl, Hellers Ln, Florida Ave, Tulip Dr, Pulaski Dr, Island Trl, Martin View Rd | $248,000 | $220,000 | $200,000-$250,000 | $483,000 | $450,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$74 | $845 |
| Home and Two Car | -$156 | $763 |
| Home and Three Car | -$221 | $698 |
| 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 |
| Morris County | $700 | $1,279 | $1,979 | $929 | $1,629 | $349 |
| Jefferson, NJ | $2,000 | $908 | $2,908 | $660 | $2,660 | $248 |
| Hardwick, NJ | $400 | $1,127 | $1,527 | $819 | $1,219 | $308 |
| Bedminster, NJ | $2,000 | $868 | $2,868 | $631 | $2,631 | $237 |
| Nanuet, NY | $400 | $953 | $1,353 | $693 | $1,093 | $261 |
| Bound Brook, NJ | $1,500 | $817 | $2,317 | $594 | $2,094 | $223 |
| Society Hill, NJ | $500 | $1,132 | $1,632 | $823 | $1,323 | $309 |
| Englewood Cliffs, NJ | $1,000 | $914 | $1,914 | $664 | $1,664 | $250 |
| Mount Vernon, NY | $100 | $1,356 | $1,456 | $985 | $1,085 | $371 |
| Easton, PA | $2,500 | $606 | $3,106 | $440 | $2,940 | $165 |
| Monmouth Junction, NJ | $300 | $1,228 | $1,528 | $892 | $1,192 | $336 |
| Byram, CT | $1,500 | $2,306 | $3,806 | $1,676 | $3,176 | $630 |
| Home Insurance Company Jefferson, NJ | Homeowners Insurance Agency Jefferson, NJ | Address | Popularity Score | Distance from Jefferson (miles) |
|---|---|---|---|---|
| State Farm | Craig Stix | 10 S Morris St, Dover, NJ, 07801-4637 | 8.2 | |
| Travelers | Holmes & Mcdowell Inc | 34 W Main St, Holmdel, NJ, 7733 | 49.4 | |
| Travelers | E A Boniakowski Agency Inc | 929 N Washington Ave, Green Brook, NJ, 8812 | 28.3 | |
| Allstate | Frank Gargin | 191 Woodport Rd, Sparta, NJ, 7871 | 4.0 | |
| Allstate | James Fitzsimmons | 499 Morris Ave, Springfield, NJ, 7081 | 23.4 | |
| Travelers | Benson Thomson Agency Inc | 15 North Morris Street, Dover, NJ, 7801 | 8.1 | |
| Allstate | Berk Demirbulakli | 706 Rt 15 South St 109, Lake Hopatcong, NJ, 7849 | 3.7 | |
| Allstate | Greg Adamo - Adamo Financial Agency | 135 Main St, Madison, NJ, 7940 | 18.7 | |
| State Farm | Mike Santangelo | 400 Morris Ave Ste 230, Denville, NJ, 07834-1362 | 7.2 | |
| State Farm | Michelle Jegge | 42 Hamburg Tpke, Riverdale, NJ, 07457-1169 | 13.5 |
| 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 | $1,550 | $830 |
| Morris County, NJ | $438,100 | $1,294 | $920 | $1,770 | $850 |
| Jefferson, NJ | $327,300 | $919 | $620 | $1,300 | $680 |
| Hardwick, NJ | $347,500 | $1,141 | $790 | $1,590 | $800 |
| Bedminster, NJ | $382,700 | $879 | $630 | $1,210 | $580 |
| Nanuet, NY | $381,600 | $965 | $690 | $1,360 | $670 |
| Bound Brook, NJ | $270,900 | $827 | $600 | $1,180 | $580 |
| Society Hill, NJ | $349,600 | $1,146 | $790 | $1,630 | $840 |
| Englewood Cliffs, NJ | $995,300 | $925 | $660 | $1,270 | $610 |
| Mount Vernon, NY | $355,600 | $1,373 | $1,000 | $1,880 | $880 |
| Easton, PA | $127,700 | $613 | $440 | $860 | $420 |
| Monmouth Junction, NJ | $384,800 | $1,243 | $910 | $1,720 | $810 |
| Byram, CT | $640,100 | $2,334 | $1,700 | $3,220 | $1,520 |