Roselle Park Insurance Rates:

Roselle Park, NJ home insurance is roughly $721 to $982, about $60-$81/month. Our detailed guide shows customers can save upto $340 by comparing multiple quotes

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Roselle Park Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $770/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Bath 2220 sqft Vacation Property Constructed In 1954 with Linoleum, Metal Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $410/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $525,000

5 Beds, 5 Baths 3230 sqft Rental Property Constructed In 1953 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $250/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Baths 1980 sqft Primary Residence Constructed In 1968 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $60/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

2 Beds, 2 Bath 1350 sqft Seasonal Residence Constructed In 1960 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1060/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $255,000

3 Beds, 3 Baths 1530 sqft Primary Residence Constructed In 1958 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $650/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

4 Beds, 4 Baths 3070 sqft Primary Residence Constructed In 1973 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $410/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1240 sqft Rental Property Constructed In 1955 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $100/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 980 sqft Vacation Property Constructed In 1950 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Single 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 :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $430/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

2 Beds, 2 Bath 1280 sqft Seasonal Residence Constructed In 1944 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 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 Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $500/2 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $605,000

5 Beds, 5 Baths 3530 sqft Primary Residence Constructed In 1969 with Linoleum, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

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

  • 650-699 Credit Score

Roselle Park Rates & Quotes Analysis:

Roselle Park Area Estimated House Insurance
Union Rd, W Lincoln Ave, Filbert St, Camden St, Westfield Ave E, Chester Ave, Charlotte Ter, E Sumner Ave, Westfield Ave W, Dalton St$855
Colfax Ave W, Markthaler Pl, Bender Ave, Maplewood Ave, W Sumner Ave, Henry Ave, Butler Ave, Beechwood Ave, E Roselle Ave, Columbus Pl$845
Seaton Ave, Clay Ave E, Elinor Ave, E Webster Ave, E Grant Ave, Colfax Ave, Woodside Ave, Union Rd, Westfield Ave W, Berwyn St$851
Westfield Ave E, Rhoda Ter, W Webster Ave, E Grant Ave, Pershing Ave, Colfax Ave E, Beachwood Ave, W Colfax Ave, Williams St, Linden Rd$853
Clay Ave W, Pinewood Ave, Lehigh Ave, Oakwood Ave, Webster Ave W, Jerome St, Reindel Pl, Colonial Rd, Gordon St, Willis Pl$855

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,176 Homes (20% of total) built between 1940 to 1949 in Roselle Park are paying home insurance between $1,709-$1,722 and differs from Kenilworth (+$33), Cranford (+$94), Union County (+$41), Roselle (-$30) and Winfield (-$34).
  • Bedrooms: 1,158 1 bedroom homes (21% of total homes ) in Roselle Park are paying about $341. Areas near to Roselle Park such as Kenilworth, Cranford, Union County are costlier by $15, $19, $7 respectively whereas Winfield and City of Orange are more economical by $7, $5 respectively for similar homes.
  • Auto Insurance Bundling: 1,486 Households (46% of all households) in Roselle Park have 2 vehicles available and when it is bundled with home insurance you can save $170 in contrast with Roselle ($167), Kenilworth ($173), Cranford ($179).
  • Senior Discounts: 1,334 seniors (more than 55 years) occupied housing units (42% of total) in Roselle Park get discounts between $127 to $130 compared to Roselle ($125), Kenilworth ($130), Cranford ($134).
  • New Homes discounts: New homes such as the homes built between 2000 to 2009 in Roselle Park can save $170 and similar new home insurance discounts in nearby towns and cities like Roselle, Kenilworth and Cranford are $167, $173 and $179 respectively.

Roselle Park Homeowners insurance Facts

  • Roselle Park, NJ has 3,166 owner occupied houses which is 61.0% of all units whereas Roselle, Kenilworth and Cranford have 56.62%, 82.53% and 84.71% respectively.
  • Roselle Park, NJ homeowners yearly insurance price at $851 is 0.27% of the typical house value of $310,700 which is in contrast with 0.32% in Roselle, 0.24% at Kenilworth & 0.19% in Cranford.
  • Homeowners in Roselle Park, NJ pay 2.0% of their income ($40,000 to $44,999) in insurance whereas homeowners in Roselle, Kenilworth and Cranford pay 1.97%, 2.04% and 2.11% respectively.
  • Roselle Park, NJ’s insurance is 2.9% of monthly housing costs of $2,480/month, for owners with a mortgage compared to 2.8% in Roselle, 3.01% at Kenilworth & 2.7% in Cranford. But, for households without a mortgage, insurance is 7.1% of costs ($1,001 in Roselle Park, NJ) in contrast with 6.96% in Roselle, 7.83% at Kenilworth & 7.48% in Cranford.

Roselle Park, NJ Home Values & Insurance rates

For example, insurance for 570 Homes (19.0% of total homes ) valued between $200,000 to $249,999 in Roselle Park, NJ is about $612. Rates in nearby areas in such as Kenilworth, Cranford, Union County are cheaper by $75, $181, $90 respectively while Roselle and Winfield are costlier by $115 and $129 respectively for similar homes.

Roselle Park, NJ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 74 2.0% $68
$150,000 to $174,999 56 1.0% $442
$175,000 to $199,999 56 1.0% $510
$200,000 to $249,999 570 19.0% $612
$250,000 to $299,999 597 20.0% $748
$300,000 to $399,999 1,456 50.0% $953

Renters Insurance in Roselle Park

  • Average Renters Insurance in Roselle Park :  $132($11/month)

  • Median Gross Rent in Roselle Park :  $1,168

  • Roselle Park Renters Insurance to Median Rent Ratio:  0.94%

  • Average household size of renter-occupied unit :  2.12

Roselle Park Renters Insurance as a Percentage of Rent

Roselle Park Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 30 1.0% $1908
$750 to $999 386 19.0% $2658
$1,000 to $1,499 1,179 59.0% $3783
$1,500 or more 370 18.0% $5433

Rent Affordability in Roselle Park:

Approximately 51.0% (1,044) of households are spending more than 35% of their income on gross rent in Roselle Park

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 169 8.0%
15.0 to 19.9 percent 262 12.0%
20.0 to 24.9 percent 226 11.0%
25.0 to 29.9 percent 133 6.0%
30.0 to 34.9 percent 188 9.0%
35.0 percent or more 1,044 51.0%

Roselle Park Renters Insurance Discounts:

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

Number of Vehicles in Roselle Park, NJ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 1,349 66.0% $13.2
2 vehicles available 378 18.0% $19.8
3 or more vehicles available 18 0.0% $26.4

Protective device discount in Roselle Park Up to :  $19

Claims-free discount in Roselle Park Up to :  $26