Elizabeth Insurance Rates:

Elizabeth, NJ home insurance is approximately $719 to $978, about $59-$81/month. Our extensive research reveals consumers can save upto $339 by comparing different quotes

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Elizabeth, New Jersey Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Elizabeth Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $560/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

2 Beds, 2 Bath 1140 sqft Seasonal Residence Constructed In 1987 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married Male who is Retired with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $490/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $440,000

4 Beds, 4 Bath 3000 sqft Primary Residence Constructed In 1948 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $360/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

2 Beds, 2 Bath 1380 sqft Rental Property Constructed In 1961 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $820/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Bath 1850 sqft Vacation Property Constructed In 1977 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $760/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

2 Beds, 2 Bath 1480 sqft Seasonal Residence Constructed In 1988 with Hardwood Flooring, Composition Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $100/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 1240 sqft Primary Residence Constructed In 1946 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $200/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

2 Beds, 2 Bath 1250 sqft Rental Property Constructed In 1981 with Carpet over wood flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Elizabeth Rates & Quotes Analysis:

Elizabeth Area Estimated House Insurance
N Fleet St, Dewey Pl, S Pearl St, Brunswick Ave, McKinley St, Linden St, Izmir St, Hampton Pl, Trumbull St, Williams Dr$826
Bayway, Meridian St, Kempshall Pl, Centre St, Lower Rd To Newark, Harbor Front Pl, Montgomery Pl, Lyon Pl, Bay Ave, Hazard Pl$828
Slater Dr, Williamson St, Trotters Ln, S Park St, Bayway Cir, Spencer St, Burlington Ave, Bank St, Police Plz, Monsignor Kemezis Pl$819
S 7th St, Carrington St, Gibbons Ct, Newcomb Pl, Augusta St, Watson Ave, Mellon Pl, Burnet St, W Jersey St, Livingston Rd$851
Russell Pl, Eaton St, Marshall St, Prince St, Glimcher Realty Way, Community Ln, Clarkson Ave, Dakar St, Dayton St, Donald Pl$818

Insurance rates are influenced by a number of factors including:

  • Year Built: 9,742 Homes (21% of total) built between 1939 or earlier in Elizabeth are paying home insurance between $1,815-$1,828 and varies from Bayonne (+$23), Kenilworth (+$39), Harrison (+$20), Hillside (-$13) and Roselle (-$28).
  • Bedrooms: 8,833 2 bedrooms homes (32% of total homes ) in Elizabeth are paying about $357. Areas near to Elizabeth such as Bayonne, Kenilworth, Harrison are costlier by $5, $8, $4 respectively whereas Hillside and Roselle are more economical by $3, $5 respectively for similar homes.
  • Auto Insurance Bundling: 3,530 Households (32% of all households) in Elizabeth have 2 vehicles available and when it is bundled with home insurance you can save $169. Discounts for similar bundling in close by locations such as Hillside, Roselle, Linden come to $168, $167, $170 respectively.
  • Senior Discounts: 5,256 seniors (more than 55 years) occupied housing units (48% of total) in Elizabeth get discounts between $126 to $129 compared to Hillside ($126), Roselle ($125), Linden ($127).
  • New Homes discounts: New homes such as the 15,266 homes built between 2000 to 2009 in Elizabeth can save $169 and similar new home insurance discounts in nearby towns and cities like Hillside, Roselle and Linden are $168, $167 and $170 respectively.

Elizabeth Homeowners insurance Facts

  • Elizabeth, NJ has 10,925 owner occupied houses which is 28.0% of all units whereas Hillside, Roselle and Linden have 70.1%, 56.62% and 58.5% respectively.
  • Elizabeth, NJ homeowners yearly insurance price at $848 is 0.28% of the typical house value of $301,400 which is in contrast with 0.3% in Hillside, 0.32% at Roselle & 0.27% in Linden.
  • Homeowners in Elizabeth, NJ pay 1.13% of their income ($75,000 or more) in insurance whereas homeowners in Hillside, Roselle and Linden pay 1.12%, 1.11% and 1.14% respectively.
  • Elizabeth, NJ’s insurance is 2.8% of monthly housing costs of $2,555/month, for owners with a mortgage compared to 2.73% in Hillside, 2.8% at Roselle & 2.99% in Linden. But, for households without a mortgage, insurance is 7.4% of costs ($958 in Elizabeth, NJ) in contrast with 7.01% in Hillside, 6.96% at Roselle & 7.22% in Linden.

Elizabeth, NJ Home Values & Insurance rates

For example, insurance for 795 Homes (9.0% of total homes ) valued between $150,000 to $174,999 in Elizabeth, NJ is about $449. Rates in nearby areas in such as Linden, Roselle Park, Bayonne are cheaper by $6, $7, $45 respectively while Hillside and Roselle are costlier by $39 and $69 respectively for similar homes.

Elizabeth, NJ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 87 1.0% $67
$100,000 to $124,999 273 3.0% $305
$125,000 to $149,999 199 2.0% $381
$150,000 to $174,999 795 9.0% $449
$175,000 to $199,999 377 4.0% $525
$200,000 to $249,999 1,610 18.0% $627
$250,000 to $299,999 1,978 23.0% $771
$300,000 to $399,999 3,155 36.0% $983

Renters Insurance in Elizabeth

  • Average Renters Insurance in Elizabeth :  $137($11/month)

  • Median Gross Rent in Elizabeth :  $1,028

  • Elizabeth Renters Insurance to Median Rent Ratio:  1.07%

  • Average household size of renter-occupied unit :  2.99

Elizabeth Renters Insurance as a Percentage of Rent

Elizabeth Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 669 2.0% $784
$300 to $499 1,151 4.0% $1234
$500 to $749 2,656 9.0% $1909
$750 to $999 8,194 29.0% $2659
$1,000 to $1,499 11,475 41.0% $3784
$1,500 or more 3,192 11.0% $5434

Protective device discount in Elizabeth Up to :  $20

Claims-free discount in Elizabeth Up to :  $27