Laurence Harbor Insurance Rates:

Laurence Harbor, NJ home insurance is about $709 to $963, about $59-$80/month. Our in depth analysis reveals consumers can save as much as $334 by getting different quotes

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Laurence Harbor Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $1160/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Baths 2720 sqft Primary Residence Constructed In 1970 with Stone Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2290/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $465,000

5 Beds, 5 Baths 3030 sqft Rental Property Constructed In 1972 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Male 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 :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $520/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

3 Beds, 3 Baths 2090 sqft Rental Property Constructed In 1967 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $760/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $370,000

3 Beds, 3 Baths 2320 sqft Vacation Property Constructed In 1977 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $910/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 2550 sqft Vacation Property Constructed In 1955 with Wood Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Single Female who is Unemployed and has 2 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $590/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1780 sqft Seasonal Residence Constructed In 1977 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $700/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

4 Beds, 4 Baths 3320 sqft Vacation Property Constructed In 1974 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $720/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

3 Beds, 3 Bath 2220 sqft Seasonal Residence Constructed In 1963 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Laurence Harbor Rates & Quotes Analysis:

Laurence Harbor Area Estimated House Insurance
Shoreline Ave, Woodshore W, Birchwood Dr, Seaview Ave, Biondi Ave, Orchard Ave, Co Rd 689, Morningside Ave, Wilbur Ave, Boulevard W$833
Pomona Blvd, E Beachwood Ave, Maplewood Dr, Cook Ave, Arbutus Way, Furman Blvd, Sunset Blvd, Twilight Ave, Seaglade Cir, Lantana Way$837
Woodlawn Cir, Biondi St, Groben Ave, Greenwood Ave, Ocean Blvd, Chimney Ct, Woodshore Center, Delray Pl, Middlesex Blvd, Hilltop Ave$838
Britton Ave, Laurence Pkwy, Harding Rd, Bridgepointe Dr, Metro Park S, Ravine Ave, Rowan Way, Woodshore E, Shadyside Ave, Greenwood Dr$834
Bayview Dr, Rosewood Dr, Maurer Ave, Linbrook Dr, Ely Ave, Donamar Ln, Daleron Pl, Industrial Dr, Raritan Blvd, Pacific Blvd$835

Insurance rates are influenced by a number of factors including:

  • Year Built: 475 Homes (17% of total) built between 1940 to 1949 in Laurence Harbor are paying home insurance between $1,680-$1,693 in contrast with Aberdeen (+$38), Madison Park (+$27), Matawan (+$47), Keansburg (-$20) and Staten Island(NY) (-$362).
  • Bedrooms: 975 3 bedrooms homes (36% of total homes ) in Laurence Harbor are paying about $452. Areas near to Laurence Harbor such as Aberdeen, Madison Park, Matawan are costlier by $10, $7, $13 respectively whereas Keyport and Keansburg are more economical by $4, $5 respectively for similar homes.
  • Auto Insurance Bundling: 325 Households (17% of all households) in Laurence Harbor have 3 or more vehicles available and when it is bundled with home insurance you can save $209 and differs from Cliffwood Beach ($209), Aberdeen ($213), Madison Park ($212).
  • Senior Discounts: 864 seniors (more than 55 years) occupied housing units (46% of total) in Laurence Harbor get discounts between $124 to $127 in contrast with Cliffwood Beach ($125), Aberdeen ($128), Madison Park ($127).
  • New Homes discounts: New homes such as the 983 homes built between 2000 to 2009 in Laurence Harbor can save $167 and similar new home insurance discounts in nearby towns and cities like Cliffwood Beach, Aberdeen and Madison Park are $167, $170 and $169 respectively.

Laurence Harbor Homeowners insurance Facts

  • Laurence Harbor, NJ has 1,872 owner occupied houses which is 74.4% of all units whereas Cliffwood Beach, Aberdeen and Madison Park have 95.29%, 76.26% and 28.92% respectively.
  • Laurence Harbor, NJ homeowners yearly insurance price at $837 is 0.32% of the typical house value of $262,300 which is in contrast with 0.32% in Cliffwood Beach, 0.27% at Aberdeen & 0.28% in Madison Park.
  • Homeowners in Laurence Harbor, NJ pay 1.97% of their income ($40,000 to $44,999) in insurance whereas homeowners in Cliffwood Beach, Aberdeen and Madison Park pay 1.97%, 2.01% and 2.0% respectively.
  • Laurence Harbor, NJ’s insurance is 3.3% of monthly housing costs of $2,115/month, for owners with a mortgage compared to 3.22% in Cliffwood Beach, 2.94% at Aberdeen & 2.89% in Madison Park. But, for households without a mortgage, insurance is 10.0% of costs ($698 in Laurence Harbor, NJ) in contrast with 7.69% in Cliffwood Beach, 7.2% at Aberdeen & 8.28% in Madison Park.

Laurence Harbor, NJ Home Values & Insurance rates

For example, insurance for 360 Homes (20.0% of total homes ) valued between $300,000 to $399,999 in Laurence Harbor, NJ is about $1,113. Rates in nearby areas in such as Cliffwood Beach, Aberdeen, Madison Park are cheaper by $9, $183, $137 respectively while Keansburg and Helmetta are costlier by $159 and $75 respectively for similar homes.

Laurence Harbor, NJ Home By Value Total Homes % of Total Average Homeowners Insurance
$100,000 to $124,999 135 7.0% $343
$125,000 to $149,999 116 6.0% $435
$150,000 to $174,999 136 7.0% $510
$175,000 to $199,999 86 4.0% $594
$200,000 to $249,999 289 16.0% $711
$250,000 to $299,999 572 33.0% $878
$300,000 to $399,999 360 20.0% $1113

Renters Insurance in Laurence Harbor

  • Average Renters Insurance in Laurence Harbor :  $158($13/month)

  • Median Gross Rent in Laurence Harbor :  $1,279

  • Laurence Harbor Renters Insurance to Median Rent Ratio:  1.02%

  • Average household size of renter-occupied unit :  2.39

Laurence Harbor Renters Insurance as a Percentage of Rent

Laurence Harbor Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 10 1.0% $339
$300 to $499 8 1.0% $1239
$500 to $749 34 6.0% $1914
$750 to $999 61 10.0% $2664
$1,000 to $1,499 241 42.0% $3789
$1,500 or more 207 36.0% $5439

Rent Affordability in Laurence Harbor:

Approximately 41.0% (270) of households are spending more than 35% of their income on gross rent in Laurence Harbor

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 40 6.0%
15.0 to 19.9 percent 82 12.0%
20.0 to 24.9 percent 93 14.0%
25.0 to 29.9 percent 117 18.0%
30.0 to 34.9 percent 42 6.0%
35.0 percent or more 270 41.0%

Laurence Harbor Renters Insurance Discounts:

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

Number of Vehicles in Laurence Harbor, NJ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 385 59.0% $15.8
2 vehicles available 123 19.0% $23.7
3 or more vehicles available 86 13.0% $31.6

Laurence Harbor Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 54 8.0% $127
60 to 64 years 15 2.0% $102
65 to 74 years 34 5.0% $83

Protective device discount in Laurence Harbor Up to :  $23

Claims-free discount in Laurence Harbor Up to :  $31