Howell Insurance Rates:

Howell, NJ homeowners insurance is roughly $730 to $990, about $60-$82/month. Our exhaustive guide indicates shoppers can save upto $344 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
I would definitely recommend it because I have never had any issues with it and they are very friendly and cooperative.
State Farm
I would definitely recommend them. I have had wonderful response time and help whenever I have had an issue, needed a question answered, or had to file a claim.
Esurance
The assurance website isn't upgraded as often as i would like to see as a consumer. there are aspects of their site that could be more user friendly to a more diverse audience.
State Farm
Aside from the point about my rates going up when i felt it was unjustified, my insurance company otherwise has maintained relatively reasonable rates and they are very easy to work with.
Geico
Some of their phone support might be outside the united states, because they can be difficult to understand and sound very scripted.
Allstate
I don't care for their website because it's not too easy to use and I haven't ever used their mobile app.
Aaa
It's easy to navigate and has a chat with an agent option, makes it easier without having to call my agent (unless is for specific reasons)
Travelers
I haven't shopped my insurance premiums for several years. It is probably about time to shop coverage to see if there is a better premium.
State Farm
Overall they were and are the best company. I love working with them and knowing they are there for me.
State Farm
I dislike that their office is so far away from where I live, and they are constantly calling me to try and get me to change my service.
Farmer's Insurance
They aren't one of the big players. I don't know anything about them really. I would much rather bundle my home and car insurance together, but my car insurance doesn't do home insurance in Florida.

Howell, NJ Homeowners Insurance By Home Value

Howell, NJ Home Value Total Homes % of Total Average Howell, NJ Homeowners Insurance
Less than $50,000 323 2.0% $60
$60,000 to $69,999 130 1.0% $163
$70,000 to $79,999 119 1.0% $189
$100,000 to $124,999 206 1.0% $275
$125,000 to $149,999 218 1.0% $344
$150,000 to $174,999 482 4.0% $404
$175,000 to $199,999 422 3.0% $473
$200,000 to $249,999 1,728 15.0% $567
$250,000 to $299,999 2,064 18.0% $696
$300,000 to $399,999 5,326 48.0% $885

Top Home Insurance Agents Near Howell, NJ

Home Insurance Company Near Howell, NJ Homeowners Insurance Agency Near Howell, NJ Address
NA Gutleber Agency, Inc. 10606 Rockaway Blvd Ozone Park, NYC, NY, 11417
State Farm Julie De Rossi 39 Broadway Lbby, New York, NY, 10006-3003
State Farm Peter Kelly 349 Merrick Rd, Lynbrook, NY, 11563-2517
State Farm Teanice Wells-Ernest 125 S Warren St, Trenton, NJ, 08608-2303
State Farm Trish Floyd 7706 Castor Ave, Philadelphia, PA, 19152-3602

Howell, NJ Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Howell, NJ

Streets in Howell Area Homeowners Insurance Cost
Oak Tree Rd, Church Rd, Virginia Dr, Preventorium Rd, Bronia St, Poppy Ln, Halden Strasse, Roosevelt Ter, Applewood Ct, Rainbow Rd$858
Shadow Ridge Ct, Aqueduct Pl, Gumani Ct, Easy St, Miller Rd, Swallow Ln, Fox Hill Dr, Glen Rd, Jennifer Dr, Hilltop Rd$865
Deck Ct, Co Rd 549, Silversmith Ct, Cutter Cove, Ford Rd, Baker Rd, Therese Ave, Mariners Cove, Southgate Dr, Bayberry Ct$860
Howell Rd, Clayton Ave, Hemlock Ave, Corsa Italia, Adams Ct, Adelphia Farmingdale Rd, Long Rd, Citrus Ln, Underhill Rd, Westwood Dr$831
Newbury Rd, Bergerville Rd, Dickens Ct, Linton Close, Dag Hammarskjold Blvd, Brookhill Dr, Teaberry Ln, Cooper Dr, Richard Rd, Laredo Ct$866

Howell, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Howell$128 to $131
Farmingdale$128
Ramtown$129
Wall$135

Howell, 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
Farmingdale borough, New Jersey $107 $143 $214
Ramtown CDP, New Jersey $108 $143 $215
Wall township, Monmouth County, New Jersey $113 $150 $225

Howell, 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
Howell, NJ2.8%7.5%
Farmingdale3.38%8.51%
Ramtown2.84%7.77%
Wall2.76%7.49%

Howell Renters Insurance as a Percentage of Rent

Howell Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 53 3.0% $779
$300 to $499 69 4.0% $1229
$500 to $749 187 12.0% $1904
$750 to $999 231 14.0% $2654
$1,000 to $1,499 531 34.0% $3779
$1,500 or more 485 31.0% $5429

Howell, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$7,800
Yearly Howell Homeowner Insurance Premium Example $3,500$2,000
Out of Pocket Expense During Claim$1,800$7,800
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $19,300$17,800
Net Savings to Howell Home Owner from High Deductible Plan $1,500

Howell, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Howell, NJ Home Replacement Value MORE than Home Value Howell, NJ Home Replacement Value LESS than Home Value
Replacement Value $412,500 $320,000
Insurance Premium based on Replacement Value $2,175 $1,700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $35,500 Risk Exposure from Under Insuring Coverage is $57,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $175/year

Example Howell Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmGEICO Insurance
Monthly Premium 84213163
Year Built 197619851994
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$400000-$500000$350000-$400000
Deductible $500 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 450,000 Metal Roof 2,350 4 > $10,000 Deductible 1660 12 Stone Siding No
1978 350,000 Tile Roof 2,310 3 $5000 to $10,000 Deductible 420 5 Fiber-Cement Siding No
2009 685,000 Asphalt Shingles Roof 4,700 5 $500- $1000 Deductible 2530 10 Stucco siding No
1993 730,000 Shingles Roof 4,680 5 $500- $1000 Deductible 3880 12 Brick siding No
1972 425,000 Metal Roof 2,370 3 $1000-$2500 Deductible 560 3 Stone Siding No
1990 310,000 Membrane Roof 1,840 3 $500 Deductible 1410 9 Vinyl siding No
1990 320,000 Membrane Roof 1,780 4 $1000-$2500 Deductible 690 7 Fiber-Cement Siding yes
2001 380,000 Composition Roof 2,140 4 > $10,000 Deductible 170 2 Stone Siding yes
1977 330,000 Slate Shingles Roof 2,390 5 $5000 to $10,000 Deductible 120 2 Fiber-Cement Siding No
2004 350,000 Composition Roof 1,990 5 > $10,000 Deductible 560 10 Brick siding No
2011 745,000 Shingles Roof 4,260 5 $1000-$2500 Deductible 3470 12 Wood siding No
1988 375,000 Asphalt Shingles Roof 2,180 3 $5000 to $10,000 Deductible 910 10 Wood siding yes
1976 365,000 Shingles Roof 1,850 3 > $10,000 Deductible 920 12 Stucco siding No
2014 305,000 Wood Shake Roof 2,060 3 $500 Deductible 300 2 Stucco siding No
1999 215,000 Tile Roof 1,290 3 > $10,000 Deductible 390 7 Fiber-Cement Siding yes
1986 465,000 Shingles Roof 3,130 4 > $10,000 Deductible 250 3 Brick siding yes
1993 285,000 Asphalt Shingles Roof 1,840 4 $500 Deductible 1580 12 Stucco siding yes
2001 340,000 Wood Shake Roof 2,370 3 $500- $1000 Deductible 1050 9 Stucco siding No
1998 270,000 Slate Shingles Roof 1,620 3 $500- $1000 Deductible 310 3 Stone Siding No
1993 425,000 Membrane Roof 2,720 4 > $10,000 Deductible 130 1 Stucco siding No
2010 390,000 Wood Shake Roof 2,390 5 $2500-$5000 Deductible 490 4 Stone Siding yes
1990 515,000 Slate Shingles Roof 2,920 5 $2500-$5000 Deductible 790 5 Fiber-Cement Siding yes
2010 1,000,000 Tile Roof 4,970 5 $1000-$2500 Deductible 340 1 Stucco siding No
1984 485,000 Membrane Roof 2,660 4 $5000 to $10,000 Deductible 790 7 Fiber-Cement Siding No
1978 250,000 Metal Roof 1,250 3 $500 Deductible 460 4 Brick siding No
1973 320,000 Slate Shingles Roof 1,660 3 $500- $1000 Deductible 1060 7 Vinyl siding No
2008 190,000 Tile Roof 1,390 3 $500- $1000 Deductible 560 8 Fiber-Cement Siding yes
1991 380,000 Metal Roof 2,390 3 > $10,000 Deductible 920 12 Stucco siding No
1977 420,000 Wood Shake Roof 2,350 3 > $10,000 Deductible 870 9 Stucco siding No
1976 320,000 Slate Shingles Roof 2,210 3 $500 Deductible 90 1 Fiber-Cement Siding No
2002 410,000 Membrane Roof 2,790 5 $500 Deductible 200 1 Fiber-Cement Siding yes
2007 895,000 Asphalt Shingles Roof 4,760 5 > $10,000 Deductible 1280 5 Fiber-Cement Siding No
1980 450,000 Composition Roof 2,870 5 $1000-$2500 Deductible 910 5 Wood siding No

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