Gavop's guide to buying homeowners insurance in Clinton, 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 | $130,000 | $110,000 | $100,000-$125,000 |
| 2 Bedroom | $269,000 | $240,000 | $200,000-$250,000 |
| 3 Bedroom | $460,500 | $390,000 | $400,000-$500,000 |
| 4 Bedroom | $693,000 | $610,000 | $500,000-$600,000 |
| 5 Bedroom | $577,000 | $520,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$134 | $822 |
| Superior Protection Discount | -$86 | $870 |
| Fire & Security Discount | -$67 | $889 |
| Hail Resistant Roof Discount | -$29 | $927 |
| Newly Constructed Home Discount | -$258 | $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 |
| Hunterdon County | $2,000 | $1,168 | $3,168 | $849 | $2,849 | $319 |
| Clinton, NJ | $1,500 | $944 | $2,444 | $686 | $2,186 | $258 |
| Readington, NJ | $100 | $1,028 | $1,128 | $747 | $847 | $281 |
| Hutchinson, NJ | $1,000 | $913 | $1,913 | $663 | $1,663 | $249 |
| Northampton County, PA | $500 | $783 | $1,283 | $569 | $1,069 | $214 |
| Trenton, NJ | $1,500 | $1,142 | $2,642 | $830 | $2,330 | $312 |
| Middle Smithfield, PA | $400 | $658 | $1,058 | $478 | $878 | $180 |
| Ancient Oaks, PA | $2,500 | $794 | $3,294 | $577 | $3,077 | $217 |
| Beverly, NJ | $400 | $726 | $1,126 | $528 | $928 | $198 |
| Wrightstown, NJ | $1,500 | $782 | $2,282 | $569 | $2,069 | $214 |
| Vernon, NJ | $200 | $764 | $964 | $555 | $755 | $209 |
| Saddle Brook, NJ | $1,000 | $836 | $1,836 | $607 | $1,607 | $228 |
| Home Insurance Company Clinton, NJ | Homeowners Insurance Agency Clinton, NJ | Address | Popularity Score | Distance from Clinton (miles) |
|---|---|---|---|---|
| State Farm | Angel Rodriguez | 815 Elizabeth Ave Ste 200, Elizabeth, NJ, 07201-2787 | 35.0 | |
| Travelers | Crisp Insurance Advisors Of Princeton Llc | 1250 Rte 28 Ste 201, Branchburg, NJ, 8876 | 9.3 | |
| State Farm | Karen Mojka | 1910 Washington Vly Rd Ste 6, Martinsville, NJ, 08836-2026 | 16.0 | |
| Travelers | Mcpherson & Newland Insurance | 20 Bloomfield Ave, Flemington, NJ, 8822 | 8.2 | |
| Travelers | Bayonne Transoceanic Inc | 620 Broadway, Bayonne, NJ, 7002 | 39.6 | |
| Travelers | Mcpherson & Newland Insurance | 20 Bloomfield Ave, Flemington, NJ, 8822 | 8.2 | |
| State Farm | Jerry Traille | 428 Haledon Ave Ste A, Haledon, NJ, 07508-1565 | 41.7 | |
| Travelers | Ringler Insurance Agency Inc | 2225 Morris Ave, Union, NJ, 7083 | 31.2 | |
| State Farm | Denis Dankosky | 105 Miln St, Cranford, NJ, 07016-2140 | 29.6 | |
| Allstate | Kevin Zola | 2273 Route 33 Ste 205, Hamilton, NJ, 8690 | 30.6 |
| 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 | $780 | $1,480 | $700 |
| Hunterdon County, NJ | $393,800 | $1,182 | $840 | $1,680 | $840 |
| Clinton, NJ | $414,800 | $956 | $650 | $1,310 | $660 |
| Readington, NJ | $444,000 | $1,041 | $740 | $1,430 | $690 |
| Hutchinson, NJ | $236,500 | $924 | $640 | $1,310 | $670 |
| Northampton County, PA | $209,800 | $792 | $550 | $1,120 | $570 |
| Trenton, NJ | $95,900 | $1,156 | $820 | $1,580 | $760 |
| Middle Smithfield, PA | $155,400 | $666 | $450 | $930 | $480 |
| Ancient Oaks, PA | $281,100 | $804 | $540 | $1,100 | $560 |
| Beverly, NJ | $146,600 | $735 | $530 | $1,050 | $520 |
| Wrightstown, NJ | $170,000 | $792 | $560 | $1,090 | $530 |
| Vernon, NJ | $235,100 | $774 | $550 | $1,080 | $530 |
| Saddle Brook, NJ | $366,500 | $846 | $620 | $1,180 | $560 |