Hightstown Insurance Rates:

Hightstown, NJ homeowners insurance is nearly $707 to $972, about $58-$81/month. Our in depth research shows customers can save as much as $335 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Hightstown, NJ Homeowners Insurance By Home Value

Hightstown, NJ Home Value Total Homes % of Total Average Hightstown, NJ Homeowners Insurance
$125,000 to $149,999 34 3.0% $419
$150,000 to $174,999 26 2.0% $503
$175,000 to $199,999 161 15.0% $578
$200,000 to $249,999 315 29.0% $696
$250,000 to $299,999 211 19.0% $847
$300,000 to $399,999 302 28.0% $1082

Top Home Insurance Agents Near Hightstown, NJ

Home Insurance Company Near Hightstown, NJ Homeowners Insurance Agency Near Hightstown, NJ Address
Travelers Willis Insurance Services Of California Inc 200 LIBERTY ST, NEW YORK, NY, 10281
State Farm Dennis Jackson 6333 Frankford Ave, Philadelphia, PA, 19135-3033
State Farm Jill Sullivan 3858 Nostrand Ave, Brooklyn, NY, 11235-2050
Liberty Mutual Independent Lubowicki Insurance Agency 400 NEW DURHAM RD, METUCHEN, NJ, 8840
State Farm Michael Disalvo 940 McBride Ave, Woodland Park, NJ, 07424-2619

Cost Of Homeowners Insurance By Street Near Hightstown, NJ

Streets in Hightstown Area Homeowners Insurance Cost
Mill Run Ct, Mill Run W, Wilson Ave, Springcrest Dr, Leshin Ln, Cole Ave, Mechanic St, Sunset Ave, Greeley St, Bennett Pl$841
Norton Ave, Morrison Ave, Glen Brook Pl, W Ward St, Farr Ave, Maxwell Ave, Davison Rd, E Ward St, N Academy St, Grant Ave$845
Pershing Ave, Taylor Ave, Chamberlin Ave, Hagemount Ave, 2nd Ave, Armellino Ct, Prospect Dr, Etra Perrineville Rd, Hutchinson St, Brakeman Ct$832
Meadow Lakes, Glen Brook Dr, Mill Run E, John Plant Dr, S Academy St, Forman St, Lincoln Ave, Perry L Drew Pl, Etra Rd, Ashton Ln$846
Park Way, South St, Powell Ct, Spruce Ct, Brook Dr, Gilman Pl, Schuyler Ave, Clubhouse Dr, Rogers Ave, Summit St$843

Hightstown, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hightstown$124 to $127
East Windsor$127
Twin Rivers$123
Cranbury$142

Hightstown, 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
East Windsor township, Mercer County, New Jersey $106 $141 $212
Twin Rivers CDP, New Jersey $103 $137 $206
Cranbury township, Middlesex County, New Jersey $119 $158 $237

Hightstown, 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
Hightstown, NJ2.9%7.1%
East Windsor2.8%7.71%
Twin Rivers3.53%9.05%
Cranbury2.26%7.9%

Hightstown Renters Insurance as a Percentage of Rent

Hightstown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 54 9.0% $1238
$500 to $749 55 9.0% $1913
$750 to $999 173 29.0% $2663
$1,000 to $1,499 149 25.0% $3788
$1,500 or more 165 27.0% $5438

Hightstown, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$2,400
Yearly Hightstown Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,800$7,200
Net Savings to Hightstown Home Owner from High Deductible Plan $600

Hightstown, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hightstown, NJ Home Replacement Value MORE than Home Value Hightstown, NJ Home Replacement Value LESS than Home Value
Replacement Value $303,000 $211,000
Insurance Premium based on Replacement Value $1,450 $1,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $59,500 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $300/year

Example Hightstown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceTravelersAllstate
Monthly Premium 8875122
Year Built 199019731945
Home Details 5 Beds, 2 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $350000-$400000$200000-$250000$350000-$400000
Deductible $5000 to $10,000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1940 195,000 Tile Roof 1,220 3 $2500-$5000 Deductible 230 4 Brick siding yes
1997 145,000 Membrane Roof 1,190 2 $500 Deductible 340 7 Brick siding No
1995 255,000 Wood Shake Roof 2,000 3 $500- $1000 Deductible 810 8 Stucco siding yes
1965 320,000 Asphalt Shingles Roof 1,860 5 $500- $1000 Deductible 550 4 Vinyl siding yes
1969 265,000 Metal Roof 2,000 5 $500 Deductible 450 4 Fiber-Cement Siding yes
1944 285,000 Asphalt Shingles Roof 2,240 4 > $10,000 Deductible 900 12 Stucco siding No
1974 250,000 Wood Shake Roof 2,010 3 $5000 to $10,000 Deductible 530 7 Stucco siding No
1973 330,000 Tile Roof 2,290 4 $2500-$5000 Deductible 570 6 Wood siding No
1973 250,000 Membrane Roof 2,080 4 $500- $1000 Deductible 490 6 Stucco siding No
1971 200,000 Asphalt Shingles Roof 1,470 2 $1000-$2500 Deductible 650 8 Stucco siding yes
1973 390,000 Tile Roof 2,330 3 $5000 to $10,000 Deductible 150 2 Brick siding No
1965 615,000 Wood Shake Roof 3,780 5 $2500-$5000 Deductible 2030 9 Wood siding No
1944 510,000 Shingles Roof 3,930 5 > $10,000 Deductible 610 7 Fiber-Cement Siding No
1943 190,000 Composition Roof 1,390 2 $1000-$2500 Deductible 190 3 Fiber-Cement Siding No
1940 355,000 Membrane Roof 2,650 5 > $10,000 Deductible 230 2 Wood siding No
1998 325,000 Slate Shingles Roof 2,570 5 > $10,000 Deductible 60 1 Stone Siding yes
1943 325,000 Asphalt Shingles Roof 1,940 5 $500 Deductible 130 1 Stone Siding No
1973 505,000 Shingles Roof 3,010 5 $5000 to $10,000 Deductible 900 5 Fiber-Cement Siding No
1940 265,000 Shingles Roof 1,580 3 $1000-$2500 Deductible 570 5 Fiber-Cement Siding yes
1974 455,000 Tile Roof 3,220 4 $500- $1000 Deductible 1190 8 Fiber-Cement Siding No
1997 505,000 Slate Shingles Roof 2,980 4 > $10,000 Deductible 1040 10 Fiber-Cement Siding yes
1960 280,000 Tile Roof 2,400 3 $500- $1000 Deductible 470 5 Fiber-Cement Siding yes
1971 240,000 Shingles Roof 1,550 3 $2500-$5000 Deductible 820 8 Brick siding yes
1977 375,000 Composition Roof 2,270 4 $500 Deductible 960 5 Wood siding yes
1978 205,000 Metal Roof 1,390 2 $500- $1000 Deductible 450 7 Brick siding yes
1998 160,000 Wood Shake Roof 1,110 2 $500 Deductible 590 10 Brick siding No
1949 320,000 Asphalt Shingles Roof 2,090 5 $1000-$2500 Deductible 670 8 Wood siding No
1944 115,000 Slate Shingles Roof 970 2 $500 Deductible 400 6 Stucco siding yes