Gavop's guide to buying homeowners insurance in West 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.
| West Caldwell, 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 | |
| Bond Pl, Memorial Rd, Liddy Pl, Springdale Rd, Walden Pl, Martin Rd, Mount Herman Way, Dana Pl, Lee Dr, Oakland Ave | $431,000 | $370,000 | $350,000-$400,000 | $632,000 | $540,000 | $700,000-$800,000 |
| Fairfield Cres, Woodrow Pl, Decamp Ct, Ridge Ter, Fairfield Pl, Piermont Pl, Holiday Dr, Highland Dr, Sunnie Ter, Rosemere Ave | $462,500 | $420,000 | $400,000-$500,000 | $455,500 | $400,000 | $500,000-$600,000 |
| Francisco Ave, Gymoty Rd, Nutting Pl, Aldom Cir, Dodge Dr, Richard Ave, Kanouse Pl, Dodd Rd, Francine Ave, Holiday Dr | $424,500 | $350,000 | $400,000-$500,000 | $466,000 | $410,000 | $400,000-$500,000 |
| Tempesta Ter, Kirkpatrick Ln, Runnymede Rd, McKinley Ave, Westover Ave, Kramer Ave, Lombard Dr, Dana Rd, Van Ness Pl, Sylvan Way | $513,000 | $440,000 | $500,000-$600,000 | $636,500 | $540,000 | $600,000-$700,000 |
| Crane Ave, Woodmere Rd, Dillon Rd, Lougheed Ave, Fairmount Rd, Westville Ave, Rubino Rd, Evergreen Rd, Twin Brook Rd, Ellis Pl | $258,000 | $210,000 | $300,000-$350,000 | $443,000 | $360,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$163 | $854 |
| Superior Protection Discount | -$102 | $915 |
| Fire & Security Discount | -$102 | $915 |
| Hail Resistant Roof Discount | -$31 | $987 |
| Newly Constructed Home Discount | -$244 | $773 |
| 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 | $2,500 | $1,082 | $3,582 | $787 | $3,287 | $296 |
| West Caldwell, NJ | $1,000 | $1,005 | $2,005 | $730 | $1,730 | $275 |
| Lake Telemark, NJ | $300 | $1,074 | $1,374 | $780 | $1,080 | $293 |
| Avenel, NJ | $700 | $814 | $1,514 | $592 | $1,292 | $222 |
| Hopatcong, NJ | $400 | $763 | $1,163 | $554 | $954 | $208 |
| Tuxedo, NY | $700 | $2,055 | $2,755 | $1,493 | $2,193 | $562 |
| North Brunswick, NJ | $400 | $987 | $1,387 | $717 | $1,117 | $270 |
| Matawan, NJ | $1,000 | $781 | $1,781 | $568 | $1,568 | $213 |
| Hampton, NJ | $400 | $809 | $1,209 | $588 | $988 | $221 |
| Searingtown, NY | $2,500 | $840 | $3,340 | $610 | $3,110 | $229 |
| Atlantic Beach, NY | $100 | $789 | $889 | $573 | $673 | $216 |
| Plainsboro, NJ | $1,000 | $980 | $1,980 | $712 | $1,712 | $268 |
| Home Insurance Company West Caldwell, NJ | Homeowners Insurance Agency West Caldwell, NJ | Address | Popularity Score | Distance from West Caldwell (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 21.2 | |
| Travelers | Irwin Edelstein Associates Inc | 15 Bridge St, Metuchen, NJ, 8840 | 21.9 | |
| Allstate | Neil Greco | 12 Eisenhower Pkwy Ste 11, Roseland, NJ, 7068 | 2.7 | |
| State Farm | Carlos Capellan | 266 Bloomfield Ave, Caldwell, NJ, 07006-5101 | 1.3 | |
| State Farm | Frank Mosier | 374 Millburn Ave Ste 305e, Millburn, NJ, 07041-1351 | 8.6 | |
| Travelers | Maiello & Manzi Insurance - Manalapan | 500 Craig Road Lower Level, Manalapan, NJ, 7726 | 38.8 | |
| Allstate | John Cote | 228 Ridgedale Ave, Cedar Knolls, NJ, 7927 | 9.0 | |
| State Farm | Renee Friscia | 146 Franklin Ave, Nutley, NJ, 07110-2925 | 7.2 | |
| Allstate | Anthony Fuccilli | 230 Stuyvesant Ave, Lyndhurst, NJ, 7071 | 9.1 | |
| State Farm | Cindy Skaar | 425 Amwell Rd, Hillsborough, NJ, 08844-1213 | 30.2 |
| 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 | $750 | $1,550 | $800 |
| Essex County, NJ | $362,300 | $1,096 | $740 | $1,560 | $820 |
| West Caldwell, NJ | $476,100 | $1,017 | $680 | $1,440 | $760 |
| Lake Telemark, NJ | $324,100 | $1,087 | $770 | $1,490 | $720 |
| Avenel, NJ | $269,000 | $824 | $590 | $1,170 | $580 |
| Hopatcong, NJ | $233,600 | $772 | $560 | $1,070 | $510 |
| Tuxedo, NY | $437,800 | $2,080 | $1,410 | $2,850 | $1,440 |
| North Brunswick, NJ | $318,000 | $999 | $730 | $1,370 | $640 |
| Matawan, NJ | $335,400 | $791 | $530 | $1,100 | $570 |
| Hampton, NJ | $265,600 | $819 | $560 | $1,120 | $560 |
| Searingtown, NY | $829,500 | $850 | $570 | $1,210 | $640 |
| Atlantic Beach, NY | $763,600 | $798 | $550 | $1,130 | $580 |
| Plainsboro, NJ | $468,700 | $992 | $720 | $1,370 | $650 |