Upper Saddle River Insurance Rates:

Upper Saddle River, NJ home insurance is approximately $870 to $1,199, about $72-$99/month. Our thorough analysis indicates shoppers can save as much as $414 by comparing many quotes

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Upper Saddle River Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $2050/5 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $880,000

4 Beds, 4 Bath 1900 sqft Seasonal Residence Constructed In 1979 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1240/4 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,070,000

5 Beds, 5 Bath 2340 sqft Seasonal Residence Constructed In 1984 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1460/5 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $1,020,000

4 Beds, 4 Bath 2540 sqft Seasonal Residence Constructed In 1987 with Hardwood Flooring, Shingles Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $540/2 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $2,125,000

5 Beds, 5 Baths 4660 sqft Rental Property Constructed In 2011 with Wood Flooring, Membrane Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1240/4 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $2,125,000

5 Beds, 5 Baths 4570 sqft Seasonal Residence Constructed In 1968 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 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 :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $1970/6 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $825,000

4 Beds, 4 Baths 1970 sqft Seasonal Residence Constructed In 1970 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced 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 :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2520/9 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,410,000

5 Beds, 5 Baths 4030 sqft Rental Property Constructed In 2010 with Hardwood Flooring, Composition Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $2740/10 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,020,000

4 Beds, 4 Baths 2950 sqft Rental Property Constructed In 1989 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Upper Saddle River Rates & Quotes Analysis:

Upper Saddle River Area Estimated House Insurance
Glencarl Rd, Harvey Ln, Blue Spruce Dr, Fox Hill Rd, Riverview Ter, Anona Dr, Schindler Ct, Stevenson Ct, Pleasant Run, Robin Ridge Rd$1,024
Pharis Pl, Upper Saddle River Rd, Stonegate Rd, Sparrowbush Rd, Ranch Rd, Mallard Run, Knights Ct, Ackerson St, Candlestick Ln, Coldstream Ln$1,034
Barnfield Ct, Silverbeech Ct, Gateway, Yeoman Ct, Cobblestone Dr, Rolling Ridge Rd, Splitrock Rd, Aldbury Dr, Sandstone Ridge, Wideview Dr$1,037
Clover Ln, Garden Ct, Cottontail Trl, Fawnhill Rd, Millstream Rd, Ware Rd, Bayberry Ct, Old Stone Church Rd, Patriots Ln, Echo Ridge Rd$1,036
Iron Latch Ct, Huff Ter, Terhune Ct, Drake Ln, Cider Hill, Chapel Ln, Partridge Hill, Joseph Ct, White Pine Rd, Strawberry Ln$1,024

Insurance rates are influenced by a number of factors including:

  • Year Built: 383 Homes (14% of total homes ) built between 1950 to 1959 in Upper Saddle River are paying home insurance between $1,946-$1,962. Places close to Upper Saddle River, NJ such as while Ramsey and Airmont(NY) are cheaper by $204 and $700 respectively for similar homes.
  • Bedrooms: 1,068 4 bedrooms homes (40% of total homes ) in Upper Saddle River are paying about $911 and differs from , Ramsey (-$96) and Airmont(NY) (-$407).
  • Auto Insurance Bundling: 1,181 Households (52% of all households) in Upper Saddle River have 2 vehicles available and when it is bundled with home insurance you can save $207. Discounts for similar bundling in close by locations such as Ramsey, Airmont (NY), Allendale come to $185, $132, $193 respectively.
  • Senior Discounts: 1,010 seniors (more than 55 years) occupied housing units (44% of total) in Upper Saddle River get discounts between $153 to $156. The comparative concessions in proximate regions such as Ramsey, Airmont(NY) and Allendale are $138, $99 and $145 respectively.
  • New Homes discounts: New homes such as the 895 homes built between 2000 to 2009 in Upper Saddle River can save $207 and varies from Ramsey ($185), Airmont(NY) ($132), Allendale ($193).

Upper Saddle River Homeowners insurance Facts

  • Upper Saddle River, NJ has 2,270 owner occupied houses which is 89.6% of all units whereas Ramsey, Airmont and Allendale have 84.72%, 82.05% and 89.88% respectively.
  • Upper Saddle River, NJ homeowners yearly insurance price at $1,035 is 0.11% of the typical house value of $910,500 which is in contrast with 0.17% in Ramsey, 0.14% at Airmont & 0.14% in Allendale.
  • Homeowners in Upper Saddle River, NJ pay 1.53% of their income ($60,000 to $74,999) in insurance whereas homeowners in Ramsey, Airmont and Allendale pay 1.37%, 0.98% and 1.44% respectively.
  • Upper Saddle River, NJ’s insurance is 2.2% of monthly housing costs of $4,001/month, for owners with a mortgage compared to 2.4% in Ramsey, 1.65% at Airmont & 2.13% in Allendale. But, for households without a mortgage, insurance is 8.6% of costs ($1,001 in Upper Saddle River, NJ) in contrast with 7.71% in Ramsey, 5.51% at Airmont & 8.07% in Allendale.

Upper Saddle River, NJ Home Values & Insurance rates

For example, insurance for 26 Homes (17.0% of total homes ) valued between $200,000 to $249,999 in Upper Saddle River, NJ is about $248. Rates in nearby areas in such as Montebello, Grand View-on-Hudson, Rockleigh are cheaper by $6, $75, $15 respectively while Ramsey and Allendale are costlier by $122 and $62 respectively for similar homes.

Upper Saddle River, NJ Home By Value Total Homes % of Total Average Homeowners Insurance
$100,000 to $124,999 16 10.0% $124
$125,000 to $149,999 44 30.0% $155
$150,000 to $174,999 15 10.0% $175
$200,000 to $249,999 26 17.0% $248
$250,000 to $299,999 45 30.0% $310

Renters Insurance in Upper Saddle River

  • Median Gross Rent in Upper Saddle River :  $2,001

  • Average household size of renter-occupied unit :  2.77

Upper Saddle River Renters Insurance as a Percentage of Rent

Upper Saddle River Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$1,000 to $1,499 39 17.0% $3699
$1,500 or more 186 82.0% $5349