Clifton Insurance Rates:

Clifton, NJ home insurance is about $733 to $993, about $61-$82/month. Our thorough research indicates shoppers can save as much as $345 by getting different quotes

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Clifton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $1370/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $340,000

5 Beds, 5 Baths 2070 sqft Vacation Property Constructed In 1949 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Divorced Male who is Retired and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $920/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $335,000

2 Beds, 2 Bath 1750 sqft Vacation Property Constructed In 1964 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $450/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $430,000

3 Beds, 3 Bath 2090 sqft Seasonal Residence Constructed In 1949 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $720/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Baths 1510 sqft Vacation Property Constructed In 1962 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1250/4 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $740,000

5 Beds, 5 Bath 3550 sqft Primary Residence Constructed In 1967 with Stone Flooring, Membrane Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Female who is Retired and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $1140/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $465,000

4 Beds, 4 Bath 2630 sqft Seasonal Residence Constructed In 1947 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Home Insurance Rate of $1230/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $510,000

4 Beds, 4 Bath 3340 sqft Primary Residence Constructed In 1979 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $520/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $370,000

4 Beds, 4 Baths 1760 sqft Primary Residence Constructed In 1948 with Linoleum, Slate Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $1030/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

2 Beds, 2 Bath 1340 sqft Vacation Property Constructed In 1969 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Single Female who is Retired with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $1580/10 months for $350,000-$400,000 Coverage
Policy Holder Home Details :

Home Value : $390,000

2 Beds, 2 Bath 1671 sqft Primary Residence Constructed In 1961 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Clifton Rates & Quotes Analysis:

Clifton Area Estimated House Insurance
Lockwood Pl, Oak Hill Rd, Chambers Ct, Maplewood Ave, Wiedeman Ave, Notch Rd, Johnson St, Fitzgerald Ave, Harvey Rd, Margery Ct$863
Birchwood Ter, E 7th St, Tufts Rd, Josh Ct, Federal St, Kingsland Ave, Bruan Pl, Lisbon St, Alfred St, Sussex Rd$863
Annabelle Ave, Rose St, Madeline Ave, Brannon Ct, Ferncliff St, Kruger Ct, E 11th St, Passaic County 603, Marilyn Pl, Lorrie Ln$860
Jennifer Ct, Breen Ct, Putnam Pl, Kowal St, Troast Ct, Surrey Ln, 7th St, la Salle Ave, Plymouth Rd, East Pkwy$873
Merselis Ave, Noll Ter, Marie Pl, Melody Hill Rd, Ladwik Ln, Frances St, Gillies St, Merselis Ave, Demott Ave, Springdale Ave$863

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,092 Homes (22% of total) built between 1940 to 1949 in Clifton are paying home insurance between $1,737-$1,750 in contrast with Brookdale (+$17), Upper Montclair (+$189), Woodland Park (+$22), Paterson (-$32) and Belleville (-$29).
  • Bedrooms: 10,916 3 bedrooms homes (41% of total homes ) in Clifton are paying about $467 compared to Brookdale (+$5), Upper Montclair (+$51), Woodland Park (+$7), Paterson (-$17) and Belleville (-$8).
  • Auto Insurance Bundling: 7,581 Households (41% of all households) in Clifton have 2 vehicles available and when it is bundled with home insurance you can save $172 and varies from Passaic ($172), Brookdale ($174), Upper Montclair ($191).
  • Senior Discounts: 9,039 seniors (more than 55 years) occupied housing units (49% of total) in Clifton get discounts between $129 to $131. The comparative concessions in proximate regions such as Passaic, Brookdale and Upper Montclair are $129, $130 and $143 respectively.
  • New Homes discounts: New homes such as the 11,173 homes built between 2000 to 2009 in Clifton can save $172 and similar new home insurance discounts in nearby towns and cities like Passaic, Brookdale and Upper Montclair are $172, $174 and $191 respectively.

Clifton Homeowners insurance Facts

  • Clifton, NJ has 18,298 owner occupied houses which is 62.0% of all units whereas Passaic, Brookdale and Upper Montclair have 25.36%, 85.23% and 84.22% respectively.
  • Clifton, NJ homeowners yearly insurance price at $864 is 0.25% of the typical house value of $349,300 which is in contrast with 0.25% in Passaic, 0.23% at Brookdale & 0.14% in Upper Montclair.
  • Homeowners in Clifton, NJ pay 1.5% of their income ($45,000 to $49,999) in insurance whereas homeowners in Passaic, Brookdale and Upper Montclair pay 1.5%, 1.52% and 1.67% respectively.
  • Clifton, NJ’s insurance is 2.7% of monthly housing costs of $2,648/month, for owners with a mortgage compared to 2.49% in Passaic, 2.37% at Brookdale & 2.0% in Upper Montclair. But, for households without a mortgage, insurance is 7.3% of costs ($985 in Clifton, NJ) in contrast with 7.17% in Passaic, 7.27% at Brookdale & 7.98% in Upper Montclair.

Clifton, NJ Home Values & Insurance rates

For example, insurance for 276 Homes (2.0% of total homes ) valued between $150,000 to $174,999 in Clifton, NJ is about $397. Rates in nearby areas in such as Upper Montclair, Woodland Park, Nutley are cheaper by $167, $38, $30 respectively while Passaic and Paterson are costlier by $7 and $52 respectively for similar homes.

Clifton, NJ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 220 1.0% $60
$125,000 to $149,999 146 1.0% $336
$150,000 to $174,999 276 2.0% $397
$175,000 to $199,999 309 2.0% $457
$200,000 to $249,999 1,295 9.0% $552
$250,000 to $299,999 2,773 21.0% $673
$300,000 to $399,999 7,971 60.0% $864

Renters Insurance in Clifton

  • Average Renters Insurance in Clifton :  $109($9/month)

  • Median Gross Rent in Clifton :  $1,209

  • Clifton Renters Insurance to Median Rent Ratio:  0.74%

  • Average household size of renter-occupied unit :  2.58

Clifton Renters Insurance as a Percentage of Rent

Clifton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 283 2.0% $1227
$500 to $749 433 3.0% $1902
$750 to $999 1,884 17.0% $2652
$1,000 to $1,499 5,367 49.0% $3777
$1,500 or more 2,778 25.0% $5427

Rent Affordability in Clifton:

Approximately 51.0% (5,757) of households are spending more than 35% of their income on gross rent in Clifton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,105 9.0%
15.0 to 19.9 percent 1,402 12.0%
20.0 to 24.9 percent 1,175 10.0%
25.0 to 29.9 percent 901 8.0%
30.0 to 34.9 percent 899 7.0%
35.0 percent or more 5,757 51.0%

Clifton Renters Insurance Discounts:

Clifton Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Clifton, NJ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,807 51.0% $10.9
2 vehicles available 2,550 22.0% $16.35
3 or more vehicles available 575 5.0% $21.8

Clifton Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 592 5.0% $120
60 to 64 years 741 6.0% $96
65 to 74 years 1,063 9.0% $78
75 years and over 875 7.0% $60

Protective device discount in Clifton Up to :  $16

Claims-free discount in Clifton Up to :  $21