Gavop shows you how to buy homeowners insurance in Somerville, 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 | $107,500 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $306,000 | $270,000 | $350,000-$400,000 |
| 3 Bedroom | $217,000 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $320,000 | $290,000 | $350,000-$400,000 |
| 5 Bedroom | $545,500 | $500,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $715 |
| Superior Protection Discount | -$78 | $784 |
| Fire & Security Discount | -$60 | $802 |
| Hail Resistant Roof Discount | -$17 | $845 |
| Newly Constructed Home Discount | -$215 | $646 |
| 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 |
| Somerset County | $1,000 | $1,189 | $2,189 | $864 | $1,864 | $325 |
| Somerville, NJ | $1,000 | $851 | $1,851 | $619 | $1,619 | $233 |
| White House Station, NJ | $500 | $1,152 | $1,652 | $837 | $1,337 | $315 |
| Harrison, NJ | $1,500 | $876 | $2,376 | $637 | $2,137 | $240 |
| Monmouth County, NJ | $400 | $1,175 | $1,575 | $854 | $1,254 | $321 |
| Riverdale, NJ | $700 | $1,090 | $1,790 | $792 | $1,492 | $298 |
| Old Orchard, PA | $100 | $855 | $955 | $621 | $721 | $234 |
| Oakhurst, NJ | $1,000 | $1,193 | $2,193 | $867 | $1,867 | $326 |
| Point Pleasant Beach, NJ | $500 | $1,816 | $2,316 | $1,320 | $1,820 | $496 |
| Airmont, NY | $1,000 | $1,177 | $2,177 | $855 | $1,855 | $322 |
| Coplay, PA | $400 | $711 | $1,111 | $517 | $917 | $194 |
| Blauvelt, NY | $1,500 | $850 | $2,350 | $618 | $2,118 | $232 |
| Home Insurance Company Somerville, NJ | Homeowners Insurance Agency Somerville, NJ | Address | Popularity Score | Distance from Somerville (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Connelly Campion Wright | 704 9th Ave, Belmar, NJ, 7719 | 40.9 | |
| Liberty Mutual Independent | Adp Statewide Insurance Agencies Inc | 325 Columbia Tpke Ste 106, Florham Park, NJ, 7932 | 18.4 | |
| Allstate | Dave Rittenhouse | 1 Mountain Blvd Ste 102, Warren, NJ, 7059 | 7.5 | |
| Farmers | Peter Forde | 661 Shunpike Rd, Green Village, NJ, 7935 | 15.3 | |
| Travelers | Scirocco Group | 777 Terrace Ave Ste 309, Hasbrouck Heights, NJ, 7604 | 35.4 | |
| Travelers | Crisp Insurance Advisors Of Princeton Llc | 1250 Rte 28 Ste 201, Branchburg, NJ, 8876 | 5.1 | |
| State Farm | Anna Kim | 304 Harrington Ave Ste 2a, Closter, NJ, 07624-1902 | 43.8 | |
| State Farm | Joe Ciraulo | 15 Commerce Blvd Ste 102, Succasunna, NJ, 07876-1343 | 20.9 | |
| Travelers | T E Freuler Agency Inc | 13 Clyde Rd Ste 202, Somerset, NJ, 8873 | 7.7 | |
| Travelers | Ringler Insurance Agency Inc | 2225 Morris Ave, Union, NJ, 7083 | 19.4 |
| 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 | $720 | $1,520 | $800 |
| Somerset County, NJ | $412,800 | $1,203 | $880 | $1,670 | $790 |
| Somerville, NJ | $293,700 | $862 | $630 | $1,180 | $550 |
| White House Station, NJ | $357,800 | $1,166 | $780 | $1,620 | $840 |
| Harrison, NJ | $309,000 | $887 | $590 | $1,220 | $630 |
| Monmouth County, NJ | $396,200 | $1,189 | $800 | $1,650 | $850 |
| Riverdale, NJ | $331,200 | $1,103 | $750 | $1,580 | $830 |
| Old Orchard, PA | $235,800 | $865 | $620 | $1,190 | $570 |
| Oakhurst, NJ | $372,900 | $1,207 | $810 | $1,670 | $860 |
| Point Pleasant Beach, NJ | $556,300 | $1,838 | $1,250 | $2,610 | $1,360 |
| Airmont, NY | $470,600 | $1,191 | $850 | $1,690 | $840 |
| Coplay, PA | $157,600 | $720 | $510 | $1,020 | $510 |
| Blauvelt, NY | $497,700 | $861 | $630 | $1,210 | $580 |