Budd Lake Insurance Rates:

Budd Lake, NJ homeowners insurance is roughly $726 to $992, about $60-$82/month. Our all inclusive guide shows customers can save upto $343 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Budd Lake, NJ Homeowners Insurance By Home Value

Budd Lake, NJ Home Value Total Homes % of Total Average Budd Lake, NJ Homeowners Insurance
Less than $50,000 19 1.0% $60
$150,000 to $174,999 97 6.0% $411
$175,000 to $199,999 132 9.0% $471
$200,000 to $249,999 244 17.0% $574
$250,000 to $299,999 287 20.0% $703
$300,000 to $399,999 621 44.0% $892

Top Home Insurance Agents Near Budd Lake, NJ

Home Insurance Company Near Budd Lake, NJ Homeowners Insurance Agency Near Budd Lake, NJ Address
NA Tredici & Romani, Ltd 1306 Bay Ridge Pkwy 1306 Bay Ridge Pkwy Brooklyn, NYC, NY, 11228
NA O'Donnell Agency Llc-Elizabeth 277 N. Broad St, Elizabeth, NJ, 7208
Allstate Ralph Palmiotto 16606 24th Rd, Whitestone, NY, 11357
Nationwide The Wright Agency Inc 748 Millford Rd, East Stroudsburg, PA, 18301
Farmers Yousuf Shafi 262 Market St, Elmwood Park, NJ, 7407

Cost Of Homeowners Insurance By Street Near Budd Lake, NJ

Streets in Budd Lake Area Homeowners Insurance Cost
Clark Dr, Netcong Flanders Rd, Williams St, Old Wolfe Rd, Timberline Dr, Sanford Rd, Greenwich Ct, Clinton Ave, 5th St, Smithtown Rd$878
Sovereign Dr, Waterloo Rd, Village Green, Hemlock Dr, Elwell Ave, Wolfe Rd, Stonehouse Rd, Overhill Rd, N Rose Ln, Belle Ct$841
Yale St, Lozier Rd, Lake Shore Rd, Highfield Rd, Pocahontas Pl, Netcong Rd, 4th St, St Johns Rd, Woods Edge Ave, Starr St$844
Babs Rd, Sunset Pass, Saint Pauls Rd, Nicholas Dr, Cassedy Rd, Winchester Ave, Westwind Dr, Fairfield Way, McKelvie Ave, Marlyn Ter$853
Waterloo Valley Rd, Alcrest Ave, Brock Ln, Delbar Dr, Fern Ave, Tannery Rd, Toboggan Hill Rd, Crestview Dr, Stonewald Dr, Winding Hill Dr$881

Budd Lake, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Budd Lake$127 to $129
Mount Olive$130
Netcong$126
Stanhope$125

Budd Lake, NJ Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Mount Olive township, Morris County, New Jersey $131 $174 $261
Netcong borough, New Jersey $127 $169 $254
Stanhope borough, New Jersey $125 $167 $251

Budd Lake, NJ Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Budd Lake, NJ2.5%7.1%
Mount Olive2.45%7.25%
Netcong3.05%7.25%
Stanhope3.05%6.98%

Budd Lake Renters Insurance as a Percentage of Rent

Budd Lake Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 15 1.0% $1229
$500 to $749 86 8.0% $1904
$750 to $999 560 53.0% $2654
$1,000 to $1,499 230 21.0% $3779
$1,500 or more 155 14.0% $5429

Budd Lake, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$4,200
Yearly Budd Lake Homeowner Insurance Premium Example $3,200$2,600
Out of Pocket Expense During Claim$1,200$4,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $26,800$25,000
Net Savings to Budd Lake Home Owner from High Deductible Plan $1,800

Budd Lake, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Budd Lake, NJ Home Replacement Value MORE than Home Value Budd Lake, NJ Home Replacement Value LESS than Home Value
Replacement Value $361,000 $233,000
Insurance Premium based on Replacement Value $1,975 $1,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $58,000 Risk Exposure from Under Insuring Coverage is $70,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $325/year

Example Budd Lake Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAmica Mutual Insurance CompanyFarmers Insurance
Monthly Premium 13778149
Year Built 198019771961
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $350000-$400000$150000-$175000$400000-$500000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Budd Lake, NJ from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 535,000 Slate Shingles Roof 3,700 5 $2500-$5000 Deductible 1190 8 Fiber-Cement Siding yes
1998 300,000 Wood Shake Roof 1,630 5 $2500-$5000 Deductible 340 4 Wood siding No
1944 540,000 Composition Roof 2,980 5 $2500-$5000 Deductible 500 3 Vinyl siding No
1978 285,000 Wood Shake Roof 1,830 3 $5000 to $10,000 Deductible 920 10 Brick siding No
1995 250,000 Shingles Roof 1,430 2 $2500-$5000 Deductible 330 5 Fiber-Cement Siding No
1940 280,000 Metal Roof 1,730 4 $500- $1000 Deductible 280 2 Wood siding yes
1942 290,000 Tile Roof 2,050 4 $500 Deductible 1240 10 Brick siding yes
1987 360,000 Tile Roof 1,810 5 > $10,000 Deductible 60 1 Brick siding No
1976 230,000 Slate Shingles Roof 1,560 2 $5000 to $10,000 Deductible 370 7 Brick siding No
1971 460,000 Shingles Roof 3,110 5 $500 Deductible 990 5 Brick siding No
1962 400,000 Metal Roof 2,800 4 > $10,000 Deductible 530 6 Wood siding No
1977 245,000 Membrane Roof 1,240 2 $500- $1000 Deductible 480 4 Brick siding yes
1988 335,000 Composition Roof 2,000 3 $500- $1000 Deductible 590 6 Stucco siding yes
1984 200,000 Wood Shake Roof 1,240 2 $500 Deductible 180 2 Wood siding No
1961 355,000 Membrane Roof 1,860 3 $500- $1000 Deductible 590 4 Wood siding No
1995 295,000 Metal Roof 1,700 4 $500 Deductible 270 2 Brick siding No
1985 425,000 Shingles Roof 2,730 4 $500 Deductible 200 1 Wood siding No
1981 445,000 Asphalt Shingles Roof 3,100 5 $2500-$5000 Deductible 170 1 Vinyl siding No
1982 220,000 Metal Roof 1,500 2 $1000-$2500 Deductible 490 5 Brick siding No
1988 500,000 Tile Roof 2,610 4 $500- $1000 Deductible 960 4 Brick siding No
1992 305,000 Tile Roof 1,600 5 $500- $1000 Deductible 410 4 Brick siding yes
1964 625,000 Membrane Roof 4,200 5 $2500-$5000 Deductible 470 3 Stucco siding yes
1989 385,000 Metal Roof 2,500 4 > $10,000 Deductible 650 9 Wood siding No
1987 215,000 Membrane Roof 1,230 2 $2500-$5000 Deductible 350 7 Stucco siding No
1988 425,000 Composition Roof 2,490 4 > $10,000 Deductible 800 9 Brick siding yes
1940 495,000 Wood Shake Roof 2,510 5 $1000-$2500 Deductible 1600 12 Vinyl siding No
1945 295,000 Asphalt Shingles Roof 1,520 3 $500 Deductible 410 3 Vinyl siding yes
1986 215,000 Shingles Roof 1,140 2 $2500-$5000 Deductible 570 8 Brick siding yes
1977 305,000 Asphalt Shingles Roof 1,520 2 $5000 to $10,000 Deductible 340 4 Stone Siding No
1941 420,000 Wood Shake Roof 2,120 4 $1000-$2500 Deductible 200 2 Stone Siding yes