Gavop's guide to buying homeowners insurance in Highland Park, 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 | $128,500 | $120,000 | $100,000-$125,000 |
| 2 Bedroom | $305,500 | $260,000 | $300,000-$350,000 |
| 3 Bedroom | $460,500 | $420,000 | $400,000-$500,000 |
| 4 Bedroom | $408,000 | $380,000 | $400,000-$500,000 |
| 5 Bedroom | $494,500 | $460,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$67 | $767 |
| Home and Two Car | -$142 | $692 |
| Home and Three Car | -$192 | $642 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,392 |
| Hail Damage | $4,665 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $46,463 |
| Smoke | $17,556 |
| Home Insurance Company Highland Park, NJ | Homeowners Insurance Agency Highland Park, NJ | Address | Popularity Score | Distance from Highland Park (miles) |
|---|---|---|---|---|
| State Farm | Ryan Salonia | 3728 Hwy 9, Howell, NJ, 07731-3346 | 25.9 | |
| Travelers | The Schenck Agency Inc | 495 Main St, Metuchen, NJ, 8840 | 4.5 | |
| Farmers | Charles Trautman | 58 Maple Ave, Morristown, NJ, 7960 | 20.4 | |
| Allstate | Sameh Wahba | 64 E Ridgewood Ave, Paramus, NJ, 7652 | 37.2 | |
| Travelers | Fraser Brothers Group Llc | 811 Amboy Ave, Edison, NJ, 8837 | 5.7 | |
| Allstate | Richard Moller | 285 County Rd Ste B, Tenafly, NJ, 7670 | 38.8 | |
| Allstate | David Kronstat | 384 Market St, Saddle Brook, NJ, 7663 | 32.4 | |
| Travelers | Volk Insurance Group Llc | 440 S Main St, Milltown, NJ, 8850 | 4.2 | |
| Farmers | Maria Portales | 94 Main St, Woodbridge, NJ, 7095 | 8.6 | |
| Allstate | Robert T. Knox | 537 Inman Ave Ste B, Colonia, NJ, 7067 | 8.7 |
| 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 | $1,520 | $800 |
| Middlesex County, NJ | $329,000 | $1,021 | $690 | $1,420 | $730 |
| Highland Park, NJ | $360,000 | $833 | $590 | $1,180 | $590 |
| Ten Mile Run, NJ | $608,900 | $1,962 | $1,350 | $2,710 | $1,360 |
| Morris Plains, NJ | $492,000 | $979 | $680 | $1,350 | $670 |
| South Valley Stream, NY | $443,500 | $2,122 | $1,460 | $3,030 | $1,570 |
| Doylestown, PA | $401,000 | $953 | $650 | $1,350 | $700 |
| Bellerose, NY | $618,700 | $2,765 | $1,880 | $3,820 | $1,940 |
| Presidential Lakes Estates, NJ | $189,000 | $834 | $560 | $1,140 | $580 |
| Russell Gardens, NY | $1,087,100 | $714 | $490 | $980 | $490 |
| Maple Glen, PA | $388,300 | $914 | $660 | $1,300 | $640 |
| Mount Laurel, NJ | $257,000 | $806 | $580 | $1,150 | $570 |
| Scarsdale, NY | $1,337,800 | $862 | $630 | $1,180 | $550 |