Northfield Insurance Rates:

Northfield, NJ home insurance is about $707 to $961, about $58-$80/month. Our thorough research reveals consumers can save as much as $333 by comparing many quotes

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Northfield Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $350/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

5 Beds, 5 Baths 1700 sqft Seasonal Residence Constructed In 1960 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $510/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

4 Beds, 4 Baths 2860 sqft Vacation Property Constructed In 1949 with Hardwood Flooring, Tile Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $950/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Baths 2670 sqft Vacation Property Constructed In 1942 with Carpet over wood flooring, Metal Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $90/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

5 Beds, 5 Baths 1540 sqft Vacation Property Constructed In 1962 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1790/12 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $560,000

5 Beds, 5 Baths 4840 sqft Seasonal Residence Constructed In 1970 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $550/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Bath 1840 sqft Vacation Property Constructed In 1972 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1810/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $440,000

4 Beds, 4 Baths 3180 sqft Vacation Property Constructed In 1940 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Married Female who has a Full 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 :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $170/1 month for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $725,000

5 Beds, 5 Baths 4600 sqft Rental Property Constructed In 1977 with Carpet Flooring, Membrane Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $1540/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $445,000

5 Beds, 5 Baths 3750 sqft Seasonal Residence Constructed In 2011 with Hardwood Flooring, Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $340/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $415,000

5 Beds, 5 Baths 2940 sqft Vacation Property Constructed In 1968 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Northfield Rates & Quotes Analysis:

Northfield Area Estimated House Insurance
Warren Ave, Hollywood Dr, Willow Dr, Gail Ave, Parker Ave, E Mill Rd, W Mill Rd, Lake Ave, E Vernon Ave, E Revere Ave$836
Grove Rd W, Shepherd Cir W, Oxford Cir, Grove Rd, E Rosedale Ave, Juniper Dr, Casey Dr, Harvey Dr, English Ln, Herbert Dr$836
Burroughs Ave, E Steelman Ave, Fairbanks Ave, Cedarbridge Rd, W Glencove Ave, W Oakcrest Ave, Ireland Ave, Cedar Dr, Wells Ave, W Revere Ave$837
Fairbanks Ave, Albert Ave, Cedarbridge Rd, Aster St, Northfield Ave, Mazza Dr, Shepherd Cir, Cecil Ln, St James Pl, N Shepherd Dr$825
Oakview Dr, St Andrews Dr, Burton Ave, Catherine Pl, Erie Ave, Debora St, Helen Dr E, W Revere Ave, Dani Dr, Mount Vernon Ave$836

Insurance rates are influenced by a number of factors including:

  • Year Built: 493 Homes (14% of total homes ) built between 1939 or earlier in Northfield are paying home insurance between $1,783-$1,795. Places close to Northfield, NJ such as Linwood, Margate City, Ventnor City are more expensive by $55, $168, $52 respectively while Pleasantville and Atlantic City are cheaper by $59 and $18 respectively for similar homes.
  • Bedrooms: 681 4 bedrooms homes (19% of total homes ) in Northfield are paying about $734 and differs from Linwood (+$23), Egg Harbor (+$7), Margate City (+$69), Pleasantville (-$15) and Weymouth (-$20).
  • Auto Insurance Bundling: 681 Households (22% of all households) in Northfield have 3 or more vehicles available and when it is bundled with home insurance you can save $208. Discounts for similar bundling in close by locations such as Linwood, Egg Harbor, Pleasantville come to $215, $208, $201 respectively.
  • Senior Discounts: 1,290 seniors (more than 55 years) occupied housing units (43% of total) in Northfield get discounts between $124 to $127 compared to Linwood ($129), Egg Harbor ($124), Pleasantville ($121).
  • New Homes discounts: New homes such as the 1,345 homes built between 2000 to 2009 in Northfield can save $166 and similar new home insurance discounts in nearby towns and cities like Linwood, Egg Harbor and Pleasantville are $172, $166 and $161 respectively.

Northfield Homeowners insurance Facts

  • Northfield, NJ has 2,977 owner occupied houses which is 91.6% of all units whereas Linwood, Egg Harbor and Pleasantville have 88.6%, 88.45% and 57.42% respectively.
  • Northfield, NJ homeowners yearly insurance price at $833 is 0.33% of the typical house value of $252,600 which is in contrast with 0.25% in Linwood, 0.34% at Egg Harbor & 0.49% in Pleasantville.
  • Homeowners in Northfield, NJ pay 16.66% of their income (Less than $10,000) in insurance whereas homeowners in Linwood, Egg Harbor and Pleasantville pay 17.2%, 16.64% and 16.14% respectively.
  • Northfield, NJ’s insurance is 3.2% of monthly housing costs of $2,198/month, for owners with a mortgage compared to 2.88% in Linwood, 3.3% at Egg Harbor & 3.8% in Pleasantville. But, for households without a mortgage, insurance is 8.5% of costs ($818 in Northfield, NJ) in contrast with 7.18% in Linwood, 9.39% at Egg Harbor & 10.01% in Pleasantville.

Northfield, NJ Home Values & Insurance rates

For example, insurance for 743 Homes (28.0% of total homes ) valued between $250,000 to $299,999 in Northfield, NJ is about $907. Rates in nearby areas in such as Linwood, Margate City, Ventnor City are cheaper by $219, $415, $195 respectively while Egg Harbor and Pleasantville are costlier by $16 and $424 respectively for similar homes.

Northfield, NJ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 27 1.0% $74
$125,000 to $149,999 56 2.0% $449
$150,000 to $174,999 210 8.0% $533
$175,000 to $199,999 242 9.0% $616
$200,000 to $249,999 878 33.0% $741
$250,000 to $299,999 743 28.0% $907
$300,000 to $399,999 407 15.0% $1149

Renters Insurance in Northfield

  • Average Renters Insurance in Northfield :  $164($13/month)

  • Median Gross Rent in Northfield :  $1,316

  • Northfield Renters Insurance to Median Rent Ratio:  0.99%

  • Renter occupied housing units in Northfield :  273

Northfield Renters Insurance as a Percentage of Rent

Northfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 11 4.0% $1916
$750 to $999 70 25.0% $2666
$1,000 to $1,499 96 35.0% $3791
$1,500 or more 96 35.0% $5441

Rent Affordability in Northfield:

Approximately 46.0% (127) of households are spending more than 35% of their income on gross rent in Northfield

Occupied units paying gross rent Total Households % of Total
15.0 to 19.9 percent 31 11.0%
20.0 to 24.9 percent 47 17.0%
25.0 to 29.9 percent 35 12.0%
30.0 to 34.9 percent 33 12.0%
35.0 percent or more 127 46.0%

Northfield Renters Insurance Discounts:

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

Number of Vehicles in Northfield, NJ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 153 56.0% $16.4
2 vehicles available 97 35.0% $24.6

Protective device discount in Northfield Up to :  $24

Claims-free discount in Northfield Up to :  $32