Garfield, NJ homeowners insurance is nearly $731 to $996, about $60-$83/month. Our all inclusive analysis indicates shoppers can save as much as $345 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Garfield, NJ | Homeowners Insurance Agency Near Garfield, NJ | Address |
|---|---|---|
| Travelers | Eastern Insurors Llc | 445 GODWIN AVE, MIDLAND PARK, NJ, 7432 |
| Travelers | Lagrange Inc | 734 WALT WHITMAN RD STE 208, MELVILLE, NY, 11747 |
| Travelers | Lawrence R Bell Associates Inc | 420 JERICHO TPK STE 322, JERICHO, NY, 11753 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Lodi borough, New Jersey | $130 | $173 | $260 |
| Saddle Brook township, Bergen County, New Jersey | $131 | $174 | $261 |
| Elmwood Park borough, New Jersey | $131 | $175 | $263 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Garfield, NJ | 3.2% | 8.1% |
| Lodi | 2.68% | 7.33% |
| Saddle Brook | 2.88% | 7.91% |
| Elmwood Park | 2.76% | 7.59% |
| Garfield Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 71 | 1.0% | $777 |
| $300 to $499 | 219 | 3.0% | $1227 |
| $500 to $749 | 414 | 6.0% | $1902 |
| $750 to $999 | 1,133 | 17.0% | $2652 |
| $1,000 to $1,499 | 3,363 | 51.0% | $3777 |
| $1,500 or more | 1,245 | 19.0% | $5427 |
| Streets in Garfield Area | Homeowners Insurance Cost |
|---|---|
| Pierre Ave, Dolphine Pkwy, W Dolphine Pkwy, Naples Pl, Garden Ct N, Botany St, Emanual St, Barthold St, Somerset St, Hartmann Ave | $858 |
| Bellport Pl, Henrietta St, Dye Ave, Bloomingdale Ave, Banta Ave, Seifert St, Steinberg Ave, Laurel St, Lanza Ave, Conrail RR | $869 |
| Garwood Ct E, Wessington Ave, Macdonald St, Blakely Pl, Manner Ave, Veterans Sq, Dewitt St, Davison St, Erie St, Dewitt St | $869 |
| Dewey St, Hepworth Pl, Terrace Pl, Spencer Pl, Harding Ct, Schley St, Pierre Ave, Scudder St, Marsellus Pl, Sampson St | $871 |
| Meyer St, Commerce St, Malcolm Ave, Van Bussum Ave, Railroad Pl, Plauderville Ave, Maitland Pl, Lanza Ave, Daniel P Conte Ct, Banta Ave | $871 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Garfield | $129 to $132 |
| Lodi | $130 |
| Saddle Brook | $131 |
| Passaic | $129 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $8,000 |
| Yearly Garfield Homeowner Insurance Premium Example | $2,500 | $1,500 |
| Out of Pocket Expense During Claim | $1,000 | $8,000 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $21,000 | $20,000 |
| Net Savings to Garfield Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Garfield, NJ Home Replacement Value MORE than Home Value | Garfield, NJ Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $387,000 | $306,500 |
| Insurance Premium based on Replacement Value | $2,100 | $1,650 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $42,000 | Risk Exposure from Under Insuring Coverage is $38,500 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $225/year |
| Insurance Company | State Farm | Allstate | Amica Mutual Insurance Company |
| Monthly Premium | 126 | 104 | 187 |
| Year Built | 1961 | 1976 | 1954 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $350000-$400000 | $250000-$300000 | $400000-$500000 |
| Deductible | $500- $1000 Deductible | $2500-$5000 Deductible | $500- $1000 Deductible |