Linden, NJ Home Insurance - Analysis On Quotes, Rates & Agents
Linden Insurance Rates:
Linden, NJ homeowners insurance is roughly $721 to $981, about $60-$81/month. Our comprehensive guide reveals consumers can save upto $340 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
State Farmsometimes they take longer than expected to attend to the users of the insurance in each of the problems in which they can present
GeicoI also recommend it to others for this home insurance because it helps to increase their income.
Liberty MutualI just went into my company's website to retrieve the information for this survey and easily navigated to the answers.
State FarmWhile it's not as low on price as I would like, I am happy as I have several friends who have had to make claims in the past with State Farm and they said that the company handled any issues fast and did their claims in a good fashion.
State FarmWhat I like most is that I was able to consolidate my homeowner insurance with my automobile insurance, This made it most convenient for me when shopping for homeowner insurance since I already used Geico for my auto.
State FarmEmail is not a good approach. It takes a phone call. I prefer to use email or online chat.
Linden, NJ Homeowners Insurance By Home Value
| Linden, NJ Home Value | Total Homes | % of Total | Average Linden, NJ Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 76 | 1.0% | $68 |
| $100,000 to $124,999 | 232 | 3.0% | $298 |
| $125,000 to $149,999 | 120 | 1.0% | $374 |
| $150,000 to $174,999 | 427 | 6.0% | $443 |
| $175,000 to $199,999 | 328 | 4.0% | $511 |
| $200,000 to $249,999 | 1,190 | 17.0% | $613 |
| $250,000 to $299,999 | 1,525 | 21.0% | $749 |
| $300,000 to $399,999 | 2,994 | 42.0% | $954 |
Top Home Insurance Agents Near Linden, NJ
| Home Insurance Company Near Linden, NJ | Homeowners Insurance Agency Near Linden, NJ | Address |
|---|---|---|
| NA | Dittmar Agency | 78 Court St, Freehold, NJ, 7728 |
| Liberty Mutual | Douglas Bowens | 1600 Perrineville Road Unit 55, Monroe Township, NJ, 8831 |
| Travelers | Lobosco Insurance Group | 964 Mcbride Ave Woodland Park, West Paterson, NJ, 7424 |
| Travelers | Masterson Insurance Agency Inc | 1600 Stewart Ave Ste 701 , Westbury, NY, 11590 |
| Nationwide | Visgauss Assoc Inc | 181 West Main St Ste 102, Babylon Village, NY, 11702-0267 |
Cost Of Homeowners Insurance By Street Near Linden, NJ
| Streets in Linden Area | Homeowners Insurance Cost |
|---|---|
| E 13th St, Laurita St, E 21st St, Eddy Ave, Saint Marks St, Miner Ter, Moore Pl, Pratt Pl, E Edgar Rd, Miltonia St | $854 |
| Roselle St, W 15th St, Berwood Dr, Myrtle Ter, McCandless St, Fernwood Ter, Fedor Ave, E Munsell Ave, Bergen Ave, Haven Pl | $854 |
| Kennedy Dr, Macarthur Ct, Mack Pl, Hillcrest Ter, Keep St, Grant St, W Baltimore Ave, W 12th St, Sylvan St, Westover Rd | $854 |
| Bower St, McCandless St, Robbinwood Ter, Essex Ave, Madison St, Fairway Rd, Roselle St, Birchwood Rd, Gresser Ave, E 14th St | $859 |
| Dennis Pl, E 12th St, E 21st St, Hagel Ave, Ainsworth St, Malcolm Pl, Berlant Ave, Emma Pl, Karen Ter, Harrison Pl | $881 |
Linden, NJ Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Linden | $127 to $130 |
| Roselle | $125 |
| Rahway | $127 |
| Winfield | $124 |
Linden, 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 |
|---|---|---|---|
| Roselle borough, New Jersey | $125 | $167 | $251 |
| Rahway city, New Jersey | $128 | $170 | $255 |
| Winfield township, Union County, New Jersey | $125 | $166 | $249 |
Linden, NJ Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Linden, NJ | 3.0% | 7.2% |
| Roselle | 2.8% | 6.96% |
| Rahway | 2.82% | 7.19% |
| Winfield | 7.55% | 14.31% |
Linden Renters Insurance as a Percentage of Rent
| Linden Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 92 | 1.0% | $332 |
| $200 to $299 | 87 | 1.0% | $782 |
| $300 to $499 | 178 | 2.0% | $1232 |
| $500 to $749 | 416 | 7.0% | $1907 |
| $750 to $999 | 1,306 | 21.0% | $2657 |
| $1,000 to $1,499 | 2,867 | 48.0% | $3782 |
| $1,500 or more | 991 | 16.0% | $5432 |
Linden, NJ Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $2,900 |
| Yearly Linden Homeowner Insurance Premium Example | $1,800 | $1,300 |
| Out of Pocket Expense During Claim | $1,900 | $2,900 |
| Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim | $7,300 | $6,800 |
| Net Savings to Linden Home Owner from High Deductible Plan | $500 | |
Linden, NJ Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Linden, NJ Home Replacement Value MORE than Home Value | Linden, NJ Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $403,000 | $227,500 |
| Insurance Premium based on Replacement Value | $1,700 | $950 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $97,500 | Risk Exposure from Under Insuring Coverage is $78,000 |
| Premium Impact | Insurance cheaper by $325/year | Insurance costlier by $425/year |
Example Linden Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Liberty Mutual | State Farm | GEICO Insurance |
| Monthly Premium | 82 | 107 | 106 |
| Year Built | 1974 | 1968 | 1980 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $350000-$400000 |
| Deductible | $500- $1000 Deductible | $500 Deductible | $5000 to $10,000 Deductible |
Sample Home Insurance Rates for Linden, NJ from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1978 | 465,000 | Composition Roof | 3,280 | 4 | $1000-$2500 Deductible | 330 | 3 | Stucco siding | yes |
| 1951 | 340,000 | Wood Shake Roof | 2,030 | 3 | $500- $1000 Deductible | 100 | 1 | Brick siding | yes |
| 1953 | 615,000 | Metal Roof | 4,480 | 5 | $1000-$2500 Deductible | 760 | 4 | Wood siding | yes |
| 1962 | 250,000 | Asphalt Shingles Roof | 1,740 | 3 | $500- $1000 Deductible | 760 | 8 | Stone Siding | No |
| 1953 | 390,000 | Metal Roof | 2,050 | 3 | $1000-$2500 Deductible | 370 | 3 | Stucco siding | yes |
| 1945 | 560,000 | Composition Roof | 3,500 | 5 | $500 Deductible | 160 | 1 | Fiber-Cement Siding | yes |
| 1964 | 480,000 | Tile Roof | 2,570 | 4 | $2500-$5000 Deductible | 880 | 7 | Stucco siding | yes |
| 1969 | 265,000 | Tile Roof | 1,640 | 3 | $2500-$5000 Deductible | 870 | 9 | Stucco siding | yes |
| 1977 | 280,000 | Shingles Roof | 1,910 | 4 | $5000 to $10,000 Deductible | 70 | 1 | Stone Siding | No |
| 1966 | 220,000 | Tile Roof | 1,680 | 3 | $5000 to $10,000 Deductible | 400 | 6 | Stucco siding | No |
| 1941 | 185,000 | Membrane Roof | 1,320 | 2 | $2500-$5000 Deductible | 70 | 1 | Vinyl siding | yes |
| 1941 | 330,000 | Slate Shingles Roof | 2,290 | 5 | $500- $1000 Deductible | 550 | 4 | Fiber-Cement Siding | No |
| 1978 | 265,000 | Wood Shake Roof | 1,410 | 3 | $500- $1000 Deductible | 990 | 7 | Stucco siding | No |
| 1971 | 235,000 | Wood Shake Roof | 1,470 | 2 | > $10,000 Deductible | 60 | 1 | Stone Siding | No |
| 1952 | 200,000 | Shingles Roof | 1,180 | 2 | > $10,000 Deductible | 150 | 3 | Vinyl siding | yes |
| 1970 | 860,000 | Composition Roof | 4,950 | 5 | $2500-$5000 Deductible | 2680 | 8 | Stucco siding | yes |
| 1949 | 165,000 | Membrane Roof | 1,210 | 3 | $2500-$5000 Deductible | 110 | 3 | Wood siding | yes |
| 1943 | 190,000 | Composition Roof | 1,110 | 2 | $5000 to $10,000 Deductible | 300 | 5 | Vinyl siding | yes |
| 1963 | 430,000 | Tile Roof | 2,840 | 5 | $2500-$5000 Deductible | 690 | 5 | Stucco siding | No |
| 1949 | 355,000 | Metal Roof | 2,370 | 3 | $2500-$5000 Deductible | 410 | 4 | Wood siding | No |
| 1951 | 190,000 | Asphalt Shingles Roof | 1,240 | 3 | $1000-$2500 Deductible | 260 | 4 | Vinyl siding | No |
| 1978 | 340,000 | Tile Roof | 2,000 | 3 | $5000 to $10,000 Deductible | 1270 | 12 | Vinyl siding | No |
| 1988 | 365,000 | Composition Roof | 2,490 | 4 | $1000-$2500 Deductible | 920 | 7 | Stucco siding | No |
| 1969 | 295,000 | Membrane Roof | 1,990 | 3 | $2500-$5000 Deductible | 340 | 5 | Wood siding | yes |
| 1981 | 405,000 | Metal Roof | 2,360 | 5 | $500 Deductible | 340 | 2 | Stone Siding | No |
| 1948 | 290,000 | Wood Shake Roof | 1,670 | 3 | $2500-$5000 Deductible | 370 | 5 | Stone Siding | yes |
| 1958 | 360,000 | Membrane Roof | 2,800 | 4 | $500 Deductible | 150 | 1 | Vinyl siding | yes |
| 1970 | 175,000 | Metal Roof | 990 | 2 | $5000 to $10,000 Deductible | 40 | 1 | Vinyl siding | yes |
| 1986 | 355,000 | Wood Shake Roof | 2,710 | 5 | $2500-$5000 Deductible | 300 | 3 | Fiber-Cement Siding | yes |
| 1984 | 460,000 | Tile Roof | 3,230 | 5 | $500- $1000 Deductible | 750 | 4 | Stone Siding | No |
| 1982 | 265,000 | Asphalt Shingles Roof | 1,740 | 4 | $500 Deductible | 1010 | 9 | Brick siding | yes |