Gavop's guide to buying homeowners insurance in Harrison, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $101,500 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $267,500 | $230,000 | $300,000-$350,000 |
| 3 Bedroom | $372,000 | $320,000 | $350,000-$400,000 |
| 4 Bedroom | $426,500 | $340,000 | $400,000-$500,000 |
| 5 Bedroom | $639,000 | $610,000 | $500,000-$600,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$71 | $816 |
| Home and Two Car | -$142 | $745 |
| Home and Three Car | -$222 | $665 |
| 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 |
| Hudson County | $1,000 | $1,052 | $2,052 | $765 | $1,765 | $288 |
| Harrison, NJ | $1,000 | $876 | $1,876 | $637 | $1,637 | $240 |
| Elizabeth, NJ | $400 | $930 | $1,330 | $676 | $1,076 | $254 |
| Park Ridge, NJ | $2,500 | $976 | $3,476 | $709 | $3,209 | $267 |
| Hempstead, NY | $200 | $1,309 | $1,509 | $951 | $1,151 | $358 |
| Long Branch, NJ | $700 | $1,025 | $1,725 | $745 | $1,445 | $280 |
| Rossmoor, NJ | $300 | $582 | $882 | $423 | $723 | $159 |
| Princeton Meadows, NJ | $2,000 | $838 | $2,838 | $609 | $2,609 | $229 |
| Huntington Bay, NY | $300 | $1,014 | $1,314 | $737 | $1,037 | $277 |
| Raritan, NJ | $700 | $966 | $1,666 | $702 | $1,402 | $264 |
| New Canaan, CT | $100 | $907 | $1,007 | $659 | $759 | $248 |
| Hamilton, NJ | $2,500 | $890 | $3,390 | $647 | $3,147 | $243 |
| Home Insurance Company Harrison, NJ | Homeowners Insurance Agency Harrison, NJ | Address | Popularity Score | Distance from Harrison (miles) |
|---|---|---|---|---|
| State Farm | Angel Rodriguez | 815 Elizabeth Ave Ste 200, Elizabeth, NJ, 07201-2787 | 6.4 | |
| State Farm | Joe Ciraulo | 15 Commerce Blvd Ste 102, Succasunna, NJ, 07876-1343 | 27.5 | |
| Travelers | Lichtenberger Agency Llc | 1 Harmon Plz 1 Harmon Plz, Secaucus, NJ, 7094 | 5.6 | |
| State Farm | Jody Huss | 474 Brick Blvd, Brick, NJ, 08723-6090 | 47.9 | |
| Allstate | Gary Vivinetto | 359 Centre St, Nutley, NJ, 7110 | 5.0 | |
| Allstate | Rossana Benavides | 4914 Kennedy Blvd W Ste 202, West New York, NJ, 7093 | 7.4 | |
| State Farm | Max Smirnov | 1051 Stuyvesant Ave, Union, NJ, 07083-3626 | 6.8 | |
| Allstate | Celia Caro | 66 Wilson Ave, Newark, NJ, 7105 | 1.2 | |
| State Farm | Christine Coster | 499 Valley St, Maplewood, NJ, 07040-1331 | 6.1 | |
| State Farm | Anthony Migliore | 195 Bellevue Ave Ste B, Montclair, NJ, 07043-1820 | 7.3 |
| 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 | $770 | $1,500 | $730 |
| Hudson County, NJ | $349,500 | $1,065 | $710 | $1,480 | $770 |
| Harrison, NJ | $309,000 | $887 | $640 | $1,250 | $610 |
| Elizabeth, NJ | $268,700 | $942 | $670 | $1,310 | $640 |
| Park Ridge, NJ | $546,000 | $988 | $680 | $1,410 | $730 |
| Hempstead, NY | $421,300 | $1,325 | $950 | $1,870 | $920 |
| Long Branch, NJ | $337,000 | $1,038 | $740 | $1,420 | $680 |
| Rossmoor, NJ | $98,900 | $589 | $400 | $810 | $410 |
| Princeton Meadows, NJ | $367,600 | $848 | $570 | $1,160 | $590 |
| Huntington Bay, NY | $1,091,500 | $1,027 | $700 | $1,430 | $730 |
| Raritan, NJ | $422,800 | $978 | $670 | $1,360 | $690 |
| New Canaan, CT | $1,439,600 | $918 | $650 | $1,300 | $650 |
| Hamilton, NJ | $244,300 | $900 | $660 | $1,290 | $630 |