Caldwell Insurance Rates:

Caldwell, NJ homeowners insurance is approximately $761 to $1,048, about $63-$87/month. Our thorough analysis indicates shoppers can save upto $361 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Caldwell, NJ Homeowners Insurance By Home Value

Caldwell, NJ Home Value Total Homes % of Total Average Caldwell, NJ Homeowners Insurance
Less than $50,000 18 3.0% $45
$175,000 to $199,999 21 4.0% $343
$200,000 to $249,999 96 18.0% $415
$250,000 to $299,999 46 8.0% $515
$300,000 to $399,999 333 64.0% $650

Top Home Insurance Agents Near Caldwell, NJ

Home Insurance Company Near Caldwell, NJ Homeowners Insurance Agency Near Caldwell, NJ Address
NA Vero Agency, Inc. 145 Main St, Chester, NY, 10918
NA Walter R Kuhn Jr 378 New York Ave Unit 3 , Huntington, NY, 11743
Travelers J W Hirschfeld Agency Inc 326 New York Avenue, Huntington, NY, 11743
Travelers Lloyds Planning Service Llc 501 Fifth Avenue, Suite 602 New York, NYC, NY, 10017
Travelers Mauser & Tobin Co Inc 1305 Franklin Ave Ste 160 , Garden City, NY, 11530

Cost Of Homeowners Insurance By Street Near Caldwell, NJ

Streets in Caldwell Area Homeowners Insurance Cost
Whitebirch Ter, Beekman Hill Rd, Central Pl, Ashland St, Smull Ave, Lincoln Ter, Bowers Rd, Fells Manor Rd, Jackson Pl, Highview Rd$911
Wakefield Pl, Erwin Pl, Ella Rd, Provost Sq, Cedars Rd, Dorset Cir, Ryerson Ave, Kirkwood Pl, Park Ln, Oak Grove Rd$903
Old Chester Rd, Domessina Ln, Orient Way, Westover Ave, Seymour St, Magnolia Ln, Ferndale Rd, Whitfield St, Elizabeth St, Hatfield St$901
White Birch Ter, Grover Ln, Espy Rd, Cooks Ln, Personette St, Parkway E, Ward Pl, Hanford Pl, Hanlan Rd, Gladding Rd$881
Florence Pl, Orchard Sq, Arlington Ct, Hawthorne Rd, Academy Rd, Caton Ter, Washburn Pl, Gould Pl, Cleveland Rd, Francis Pl$901

Caldwell, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Caldwell$134 to $137
Essex Fells$152
West Caldwell$135
Verona$133

Caldwell, 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
Essex Fells borough, New Jersey $127 $169 $253
West Caldwell township, Essex County, New Jersey $113 $150 $225
Verona township, Essex County, New Jersey $111 $148 $222

Caldwell, 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
Caldwell, NJ2.5%7.5%
Essex Fells2.11%8.44%
West Caldwell2.61%7.5%
Verona2.58%7.41%

Caldwell Renters Insurance as a Percentage of Rent

Caldwell Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 71 4.0% $759
$300 to $499 42 2.0% $1209
$500 to $749 150 8.0% $1884
$750 to $999 168 9.0% $2634
$1,000 to $1,499 721 40.0% $3759
$1,500 or more 609 34.0% $5409

Caldwell, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Caldwell Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $7,100$5,600
Net Savings to Caldwell Home Owner from High Deductible Plan $1,500

Caldwell, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Caldwell, NJ Home Replacement Value MORE than Home Value Caldwell, NJ Home Replacement Value LESS than Home Value
Replacement Value $592,000 $436,500
Insurance Premium based on Replacement Value $2,425 $1,800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $65,000 Risk Exposure from Under Insuring Coverage is $90,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $250/year

Example Caldwell Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceChubb Group of Insurance
Monthly Premium 248101403
Year Built 194719951953
Home Details 5 Beds, 3 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $700000-$800000$300000-$350000$800000-$900000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1962 270,000 Tile Roof 1,310 2 $2500-$5000 Deductible 260 3 Vinyl siding No
1995 495,000 Slate Shingles Roof 1,850 3 $500- $1000 Deductible 740 5 Stucco siding yes
1949 600,000 Membrane Roof 2,220 3 > $10,000 Deductible 1060 7 Stone Siding yes
1953 690,000 Shingles Roof 3,130 5 $2500-$5000 Deductible 1150 6 Stucco siding No
1992 175,000 Composition Roof 930 2 $500- $1000 Deductible 260 3 Stucco siding yes
1949 580,000 Asphalt Shingles Roof 2,100 3 $5000 to $10,000 Deductible 1510 8 Brick siding yes
1977 285,000 Asphalt Shingles Roof 1,180 2 $2500-$5000 Deductible 760 9 Vinyl siding yes
1965 485,000 Membrane Roof 2,350 3 $1000-$2500 Deductible 1910 10 Fiber-Cement Siding yes
1975 375,000 Metal Roof 1,480 2 $5000 to $10,000 Deductible 230 2 Stone Siding yes
1960 960,000 Metal Roof 3,780 5 $2500-$5000 Deductible 1060 4 Stucco siding yes
1973 840,000 Wood Shake Roof 3,110 5 $500 Deductible 230 1 Vinyl siding No
1976 335,000 Tile Roof 1,790 2 $500- $1000 Deductible 1150 7 Fiber-Cement Siding yes
1953 600,000 Membrane Roof 2,980 5 $500- $1000 Deductible 400 2 Fiber-Cement Siding No
1977 300,000 Metal Roof 1,280 3 $2500-$5000 Deductible 650 8 Vinyl siding No
1940 660,000 Asphalt Shingles Roof 3,500 5 $500- $1000 Deductible 540 3 Brick siding yes
1953 605,000 Slate Shingles Roof 2,500 5 $500 Deductible 3240 12 Vinyl siding No
1953 1,055,000 Shingles Roof 4,640 5 $500- $1000 Deductible 3520 9 Fiber-Cement Siding No
1947 570,000 Wood Shake Roof 2,150 4 > $10,000 Deductible 520 4 Stone Siding yes
1966 480,000 Wood Shake Roof 2,040 5 $500 Deductible 620 3 Stucco siding yes
1952 375,000 Shingles Roof 1,640 3 > $10,000 Deductible 80 1 Fiber-Cement Siding No
1971 370,000 Metal Roof 1,660 3 $500 Deductible 380 2 Vinyl siding yes
1954 760,000 Shingles Roof 3,010 4 > $10,000 Deductible 540 4 Brick siding No
1948 575,000 Wood Shake Roof 2,150 5 $500- $1000 Deductible 3130 12 Wood siding No
1990 505,000 Composition Roof 1,820 5 $500 Deductible 1830 7 Stone Siding yes
1940 230,000 Metal Roof 1,070 2 $2500-$5000 Deductible 710 10 Wood siding yes
1972 345,000 Wood Shake Roof 1,620 5 > $10,000 Deductible 290 4 Vinyl siding No
1970 615,000 Membrane Roof 2,460 4 $1000-$2500 Deductible 1940 8 Wood siding No
1940 1,215,000 Membrane Roof 4,600 5 $2500-$5000 Deductible 1200 4 Stone Siding No
1940 605,000 Membrane Roof 2,260 4 $500 Deductible 1860 7 Fiber-Cement Siding yes
1969 380,000 Shingles Roof 1,740 4 > $10,000 Deductible 930 10 Vinyl siding No
1996 480,000 Shingles Roof 2,170 3 $500 Deductible 1390 7 Stone Siding yes
1960 425,000 Shingles Roof 1,670 3 $500- $1000 Deductible 2020 12 Wood siding yes
1999 420,000 Asphalt Shingles Roof 2,210 3 $1000-$2500 Deductible 730 7 Stone Siding yes
1992 650,000 Composition Roof 2,930 5 $500- $1000 Deductible 900 4 Wood siding No