Elmwood Park Insurance Rates:

Elmwood Park, NJ homeowners insurance is roughly $741 to $1,010, about $61-$84/month. Our extensive guide reveals consumers can save upto $350 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
When my house was struck and flooded by a hurricane several years ago, it was a difficult and trying process to convince them to pay appropriately for the damage. we received about 75% of what we believe we were entitled to.
State Farm
When I first researched the different companies state farm was the only one that offered great coverage at a reasonable price.
Aaa
I switched from State Farm a few years ago. I got more coverage for a small monthly amount. I even got a $1,000,000 umbrella coverage.
State Farm
I've never met or even talked to my agent, only his assistant, which I think is pretty bad. I feel as though he takes me for granted. Too bad really, in my opinion.
Nationwide
I have never had an issue with the customer service. I never used the customer service because I never had an issue.

Elmwood Park, NJ Homeowners Insurance By Home Value

Elmwood Park, NJ Home Value Total Homes % of Total Average Elmwood Park, NJ Homeowners Insurance
Less than $50,000 53 2.0% $52
$125,000 to $149,999 49 2.0% $306
$150,000 to $174,999 30 1.0% $359
$200,000 to $249,999 148 6.0% $499
$250,000 to $299,999 519 22.0% $613
$300,000 to $399,999 1,492 63.0% $779

Top Home Insurance Agents Near Elmwood Park, NJ

Home Insurance Company Near Elmwood Park, NJ Homeowners Insurance Agency Near Elmwood Park, NJ Address
Nationwide Jo Ann Prescott Agency 155 Water St, Brooklyn, NY, 11201
Travelers Streetsmart Risk Managers Inc 208 SOUTH ST, FREEHOLD, NJ, 7728
Travelers Suydam Agency Inc 1530 College Point Blvd College Point, NYC, NY, 11356
Travelers The Flood Group Llc 100 SUNNYSIDE BLVD, WOODBURY, NY, 11797
Travelers William A Smith & Son Inc 380 BROADWAY, NEWBURGH, NY, 12550

Cost Of Homeowners Insurance By Street Near Elmwood Park, NJ

Streets in Elmwood Park Area Homeowners Insurance Cost
Fredericks Ct, Doremus Pl, Elmwood Ct, Edward H Ross Dr, E 52nd St, Dye Ave, Fournier Cres, Philip Ave, Sabo Ct, Susan Ct$874
S Center St, Obal Ave, Tina Ct, Fencsak Ave, Bellevue Ave, Ray St, Marginal Rd, Elmwood Ter, 18th Ave, Rosemont Ave$883
Maltese Ave, E Pkwy, Corporate Dr, Palsa Ave, Page St, Arena Ct, E 54th St, 14th Ave, Augusta St, Cole St$884
Iozia Ter, Memorial Pl, Garden Dr, Jan Ct, Elmhurst St, James Ct, Beechwood Ave, Lee St, Paul Kohner, Viviney St$876
Cadmus Ave, Rudolph Ave, Stefanic Ave, E Phillip Ave, Tuella Ave, Staedler Ln, Florence Pl, Hillman Dr, Rosedale Ave, Fencsak Ave$887

Elmwood Park, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elmwood Park$130 to $132
Saddle Brook$131
Garfield$129
Rochelle Park$130

Elmwood Park, 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
Saddle Brook township, Bergen County, New Jersey $109 $145 $218
Garfield city, New Jersey $108 $144 $216
Rochelle Park township, Bergen County, New Jersey $109 $145 $217

Elmwood Park, 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
Elmwood Park, NJ2.8%7.6%
Saddle Brook2.88%7.91%
Garfield3.15%8.07%
Rochelle Park3.07%8.39%

Elmwood Park Renters Insurance as a Percentage of Rent

Elmwood Park Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 128 4.0% $321
$300 to $499 34 1.0% $1221
$500 to $749 71 2.0% $1896
$750 to $999 370 13.0% $2646
$1,000 to $1,499 1,088 40.0% $3771
$1,500 or more 954 35.0% $5421

Elmwood Park, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$6,600
Yearly Elmwood Park Homeowner Insurance Premium Example $3,800$2,600
Out of Pocket Expense During Claim$600$6,600
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $23,400$22,200
Net Savings to Elmwood Park Home Owner from High Deductible Plan $1,200

Elmwood Park, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elmwood Park, NJ Home Replacement Value MORE than Home Value Elmwood Park, NJ Home Replacement Value LESS than Home Value
Replacement Value $465,000 $354,000
Insurance Premium based on Replacement Value $2,750 $2,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,500 Risk Exposure from Under Insuring Coverage is $67,500
Premium Impact Insurance cheaper by $400/year Insurance costlier by $250/year

Example Elmwood Park Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmTravelers
Monthly Premium 12170240
Year Built 194719531965
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $400000-$500000$300000-$350000$900000-$1000000
Deductible $1000-$2500 Deductible> $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1950 335,000 Slate Shingles Roof 1,720 5 $1000-$2500 Deductible 250 3 Fiber-Cement Siding No
1975 430,000 Shingles Roof 2,580 4 $2500-$5000 Deductible 830 5 Vinyl siding No
1976 745,000 Membrane Roof 4,510 5 $500 Deductible 310 1 Stucco siding No
1971 875,000 Slate Shingles Roof 4,800 5 > $10,000 Deductible 730 3 Wood siding No
1948 520,000 Metal Roof 2,950 4 $500- $1000 Deductible 1480 10 Stucco siding No
1972 605,000 Asphalt Shingles Roof 3,500 5 $500 Deductible 300 1 Brick siding yes
1977 265,000 Asphalt Shingles Roof 1,250 3 > $10,000 Deductible 680 12 Stucco siding yes
1967 595,000 Metal Roof 3,610 5 > $10,000 Deductible 650 5 Wood siding No
1950 945,000 Membrane Roof 4,470 5 > $10,000 Deductible 1800 8 Brick siding yes
1954 250,000 Tile Roof 1,390 3 $2500-$5000 Deductible 120 2 Wood siding yes
1977 360,000 Wood Shake Roof 2,180 3 > $10,000 Deductible 320 3 Stone Siding yes
1978 315,000 Metal Roof 1,730 3 $5000 to $10,000 Deductible 190 3 Stone Siding No
1955 345,000 Composition Roof 1,890 3 $2500-$5000 Deductible 130 1 Brick siding yes
1945 785,000 Composition Roof 4,990 5 $500 Deductible 2580 7 Vinyl siding yes
1947 250,000 Metal Roof 1,470 3 $5000 to $10,000 Deductible 70 1 Wood siding No
1973 400,000 Shingles Roof 2,000 3 $500 Deductible 460 3 Stone Siding No
1944 395,000 Tile Roof 2,270 4 $500 Deductible 880 4 Wood siding No
1965 360,000 Metal Roof 1,870 4 $500- $1000 Deductible 930 6 Vinyl siding No
1969 575,000 Shingles Roof 2,710 5 $5000 to $10,000 Deductible 1980 12 Brick siding yes
1950 370,000 Metal Roof 1,920 3 $5000 to $10,000 Deductible 830 7 Brick siding yes
1959 335,000 Tile Roof 1,830 3 $2500-$5000 Deductible 900 9 Stone Siding No
1971 690,000 Membrane Roof 3,160 4 > $10,000 Deductible 1680 10 Vinyl siding No
1956 380,000 Composition Roof 1,700 3 $2500-$5000 Deductible 870 9 Vinyl siding No
1949 600,000 Slate Shingles Roof 2,600 4 $500 Deductible 1930 7 Stone Siding yes