Trenton Insurance Rates:

Trenton, NJ home insurance is nearly $674 to $913, about $56-$76/month. Our extensive guide indicates shoppers can save as much as $317 by comparing multiple quotes

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Read Trenton, New Jersey Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Trenton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $400/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1740 sqft Primary Residence Constructed In 1955 with Wood Flooring, Metal Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $300/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Baths 1610 sqft Seasonal Residence Constructed In 1959 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1200/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Baths 2470 sqft Rental Property Constructed In 1968 with Stone Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

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

  • 800-850 Credit Score

  • Guests at home

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

Home Value : $145,000

2 Beds, 2 Bath 1680 sqft Vacation Property Constructed In 1944 with Wood Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Divorced Male who is Retired 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

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $110/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 3260 sqft Seasonal Residence Constructed In 1948 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $160/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

5 Beds, 5 Baths 2900 sqft Primary Residence Constructed In 1968 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $200/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1740 sqft Rental Property Constructed In 1942 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1400 sqft Vacation Property Constructed In 1944 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $440/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 2390 sqft Primary Residence Constructed In 1948 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Single Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $680/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

5 Beds, 5 Baths 1810 sqft Rental Property Constructed In 1966 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $620/10 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Baths 1558 sqft Primary Residence Constructed In 1950 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Trenton Rates & Quotes Analysis:

Trenton Area Estimated House Insurance
Frazier St, New Miller St, Dickinson St, Middle Rose St, Bond St, Cole St, Elmer St, New York Ave, Capitol St, Randall Ave$780
Cook Pl, River Dr, Walkette Aly, Centre St, Adam Ave, Highland Ave, Garfield Ave, Anchor St, Sweets Ave, Belfast Aly$788
Bushler Aly, Hills Aly, Cadwalader Dr, Reading Ave, Reservior St, Elwood Aly, Stevens Aly, North Aly, Dexter St, Nelson St$822
Laurel Pl, Dole Aly, N Clinton Ave, Green Pl, Tyrell Ave, E Miller St, Budd Aly, Windsor Aly, Hills Pl, Blane Aly$778
Klagg Ave, Bridge St, Grand St, Lombard Aly, Emory Ave, Linwood St, Wall St, Dresden Ave, Lougue St, Rogers Aly$785

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,892 Homes (13% of total homes ) built between 1950 to 1959 in Trenton are paying home insurance between $1,493-$1,505. Places close to Trenton, NJ such as Ewing, Mercerville, White Horse are more expensive by $71, $85, $76 respectively while Morrisville(PA) and Falls(PA) are cheaper by $79 and $63 respectively for similar homes.
  • Bedrooms: 12,542 3 bedrooms homes (37% of total homes ) in Trenton are paying about $429 and differs from Morrisville(PA) (+$227), Ewing (+$20), Falls(PA) (+$234).
  • Auto Insurance Bundling: 1,784 Households (15% of all households) in Trenton have 3 or more vehicles available and when it is bundled with home insurance you can save $198 and varies from Morrisville(PA) ($188), Ewing ($207), Falls(PA) ($190).
  • Senior Discounts: 5,080 seniors (more than 55 years) occupied housing units (44% of total) in Trenton get discounts between $118 to $121. The comparative concessions in proximate regions such as Morrisville(PA), Ewing and Falls(PA) are $112, $124 and $114 respectively.
  • New Homes discounts: New homes such as the 7,228 homes built between 2000 to 2009 in Trenton can save $158 and varies from Morrisville(PA) ($150), Ewing ($166), Falls(PA) ($152).

Trenton Homeowners insurance Facts

  • Trenton, NJ has 11,437 owner occupied houses which is 40.5% of all units whereas Morrisville, Ewing and Falls have 59.94%, 70.27% and 74.25% respectively.
  • Trenton, NJ homeowners yearly insurance price at $794 is 0.65% of the typical house value of $122,500 which is in contrast with 0.34% in Morrisville, 0.34% at Ewing & 0.31% in Falls.
  • Homeowners in Trenton, NJ pay 15.88% of their income (Less than $10,000) in insurance whereas homeowners in Morrisville, Ewing and Falls pay 15.06%, 16.62% and 15.22% respectively.
  • Trenton, NJ’s insurance is 4.5% of monthly housing costs of $1,467/month, for owners with a mortgage compared to 3.38% in Morrisville, 3.35% at Ewing & 3.56% in Falls. But, for households without a mortgage, insurance is 10.2% of costs ($652 in Trenton, NJ) in contrast with 9.38% in Morrisville, 8.3% at Ewing & 9.67% in Falls.

Trenton, NJ Home Values & Insurance rates

For example, insurance for 794 Homes (7.0% of total homes ) valued between $90,000 to $99,999 in Trenton, NJ is about $611.

Trenton, NJ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 475 4.0% $158
$50,000 to $59,999 312 2.0% $333
$60,000 to $69,999 651 5.0% $420
$70,000 to $79,999 927 8.0% $484
$80,000 to $89,999 1,152 10.0% $547
$90,000 to $99,999 794 7.0% $611
$100,000 to $124,999 1,565 14.0% $706
$125,000 to $149,999 1,029 9.0% $889
$150,000 to $174,999 1,286 11.0% $1048
$175,000 to $199,999 893 8.0% $1214
$200,000 to $249,999 972 8.0% $1460
$250,000 to $299,999 445 3.0% $1778
$300,000 to $399,999 652 5.0% $2262

Renters Insurance in Trenton

  • Average Renters Insurance in Trenton :  $236($19/month)

  • Median Gross Rent in Trenton :  $965

  • Trenton Renters Insurance to Median Rent Ratio:  1.97%

  • Renter occupied housing units in Trenton :  16,831

Trenton Renters Insurance as a Percentage of Rent

Trenton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 906 5.0% $359
$200 to $299 1,485 9.0% $809
$300 to $499 1,374 8.0% $1259
$500 to $749 1,758 10.0% $1934
$750 to $999 3,135 19.0% $2684
$1,000 to $1,499 5,692 34.0% $3809
$1,500 or more 2,100 12.0% $5459

Rent Affordability in Trenton:

Approximately 54.0% (9,096) of households are spending more than 35% of their income on gross rent in Trenton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,561 9.0%
15.0 to 19.9 percent 1,151 6.0%
20.0 to 24.9 percent 1,632 9.0%
25.0 to 29.9 percent 2,019 11.0%
30.0 to 34.9 percent 1,372 8.0%
35.0 percent or more 9,096 54.0%

Trenton Renters Insurance Discounts:

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

Number of Vehicles in Trenton, NJ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,585 39.0% $23.6
2 vehicles available 1,905 11.0% $35.4
3 or more vehicles available 512 3.0% $47.2

Protective device discount in Trenton Up to :  $35

Claims-free discount in Trenton Up to :  $47