Livingston Insurance Rates:

Livingston, NJ homeowners insurance is roughly $784 to $1,069, about $65-$89/month. Our all inclusive research reveals consumers can save as much as $370 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Allstate is good with long-term consumers. they are treated well and nicely. shown more respect which makes you want to stay with this company.
Universal Property & Casualty Insurance Company
Filed a claim takes company representative to long to respond to claim. contacted company a can't get a answer regarding the claim filed.
Farmer's Insurance
I think that they have a good number of staff available for customers to interact with when you're in the store.
Travelers
I don't have any communication with them unless I contact them. They send me a letter once a year when it's renewal time.
Metlife
easy to get a hold of someone either via phone or website chat. Sometimes there is a wait to talk to a representative but usually pretty quick.
Aaa
Second year onwards they increased the premium for the home insurance. And the service is also not good. I am totally dissatisfied.
Mapfre Insurance
It doesn't tell all I need to know; I usually have to call an 800 number or another one to talk to a real person.
Allstate
I don't really have anything I dislike about Geico but I haven't really used them for a long length of time.
State Farm
I would recommend State Farm to people in my community because of it's in-town location which is centrally located and very convenient.
Allstate
To mean my insurance company has been great to me. I haven't had a problem with getting answer to anything. The rate hasn't been beaten yet by other insurance companies. That might be due to discount I was allowed for.

Livingston, NJ Homeowners Insurance By Home Value

Livingston, NJ Home Value Total Homes % of Total Average Livingston, NJ Homeowners Insurance
Less than $50,000 72 4.0% $37
$50,000 to $59,999 16 1.0% $83
$80,000 to $89,999 22 1.0% $139
$100,000 to $124,999 42 2.0% $176
$125,000 to $149,999 17 1.0% $222
$150,000 to $174,999 36 2.0% $268
$200,000 to $249,999 70 4.0% $370
$250,000 to $299,999 87 5.0% $454
$300,000 to $399,999 1,200 76.0% $574

Top Home Insurance Agents Near Livingston, NJ

Home Insurance Company Near Livingston, NJ Homeowners Insurance Agency Near Livingston, NJ Address
Allstate Adam Lepore 11230 Beach Channel Dr, Rockaway Park, NY, 11694
State Farm Charlie Sangermano 3386 Quakerbridge Rd, Hamilton, NJ, 08619-1202
Travelers Decesare Agency Inc 914 MCLEAN AVE, YONKERS, NY, 10704
Liberty Mutual Independent Stuber Insurance Agency 115 MILL ST, HACKETTSTOWN, NJ, 7840
Liberty Mutual Independent Wr Mcclure Insurance Services Inc 230 US HIGHWAY 206 STE 8, FLANDERS, NJ, 7836

Cost Of Homeowners Insurance By Street Near Livingston, NJ

Streets in Livingston Area Homeowners Insurance Cost
Essex Ct, Kredel Ave, Grasmere Ct, Kathay Dr, Falcon Rd, Redwood Rd, Drummond Ter, Mountain Ridge Dr, Cedar Gate Rd, Maplewood Dr$951
Pebble Beach Dr, Old Rd, Jackson Dr, Oxford Dr, Elmwood Dr, E Hobart Gap Rd, Plaza Pl, Windermere Ct, Broadlawn Dr, E Mount Pleasant Ave$943
Borden Pl, Longview Rd, Midway Dr, W Cedar St, Chadwick Rd, Stoneham Dr, Sparrow Dr, Notch Hill Dr, Woodcrest Dr, Canoe Brook Dr$924
Apple Tree Ct, E McClellan Ave, W Mount Pleasant Ave, Camelot Dr, Harrison School Ln, Adams Ct, Trocha Ave, E Northfield Rd, Tanger Dr, Fieldstone Dr$950
Microlab Rd, S Ashby Ave, Eisenhower Pkwy, Sherbrooke Pkwy, Templar Way, Lafayette Dr, Foxcroft Dr, Brown Ct, Twilight Ct, Montgomery Rd$952

Livingston, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Livingston$138 to $141
Roseland$138
East Hanover$137
Millburn$156

Livingston, 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
Roseland borough, New Jersey $138 $184 $276
East Hanover township, Morris County, New Jersey $137 $183 $275
Millburn township, Essex County, New Jersey $156 $208 $312

Livingston, 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
Livingston, NJ2.3%7.7%
Roseland2.61%7.66%
East Hanover2.74%7.7%
Millburn2.17%8.68%

Livingston Renters Insurance as a Percentage of Rent

Livingston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 13 2.0% $1873
$750 to $999 16 2.0% $2623
$1,000 to $1,499 89 14.0% $3748
$1,500 or more 492 80.0% $5398

Livingston, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$2,500
Yearly Livingston Homeowner Insurance Premium Example $5,800$5,300
Out of Pocket Expense During Claim$500$2,500
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $29,500$29,000
Net Savings to Livingston Home Owner from High Deductible Plan $500

Livingston, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Livingston, NJ Home Replacement Value MORE than Home Value Livingston, NJ Home Replacement Value LESS than Home Value
Replacement Value $705,000 $468,000
Insurance Premium based on Replacement Value $3,725 $2,475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $156,000 Risk Exposure from Under Insuring Coverage is $81,000
Premium Impact Insurance cheaper by $425/year Insurance costlier by $825/year

Example Livingston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyGEICO InsuranceState Farm
Monthly Premium 265286255
Year Built 196220141979
Home Details 4 Beds, 2 Baths5 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $600000-$700000$600000-$700000More than 10000000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 415,000 Composition Roof 1,860 4 $500 Deductible 290 2 Stucco siding yes
1971 470,000 Membrane Roof 1,940 5 $5000 to $10,000 Deductible 800 5 Brick siding No
1960 950,000 Asphalt Shingles Roof 3,040 5 > $10,000 Deductible 2100 12 Fiber-Cement Siding No
1965 970,000 Membrane Roof 3,840 5 $500 Deductible 2480 7 Fiber-Cement Siding yes
1960 915,000 Composition Roof 4,080 5 $2500-$5000 Deductible 880 3 Stone Siding No
2013 590,000 Metal Roof 2,010 5 > $10,000 Deductible 590 5 Wood siding No
1965 475,000 Slate Shingles Roof 2,240 4 $500 Deductible 710 4 Brick siding No
1968 530,000 Asphalt Shingles Roof 2,390 5 $500- $1000 Deductible 680 4 Brick siding No
2010 865,000 Shingles Roof 4,070 5 $5000 to $10,000 Deductible 2150 10 Wood siding No
1960 380,000 Shingles Roof 1,710 4 > $10,000 Deductible 860 10 Stucco siding yes
1970 990,000 Shingles Roof 4,400 5 $500 Deductible 2330 5 Fiber-Cement Siding No
1974 960,000 Membrane Roof 3,970 5 $1000-$2500 Deductible 300 1 Fiber-Cement Siding yes
1972 940,000 Metal Roof 3,020 4 $1000-$2500 Deductible 300 1 Stucco siding No
1970 805,000 Asphalt Shingles Roof 2,560 4 > $10,000 Deductible 380 2 Vinyl siding No
2010 515,000 Metal Roof 1,830 5 $5000 to $10,000 Deductible 1640 12 Wood siding No
1961 585,000 Wood Shake Roof 2,360 4 $500 Deductible 2900 12 Wood siding No
1970 465,000 Metal Roof 1,500 5 $500 Deductible 500 3 Vinyl siding No
2012 1,400,000 Wood Shake Roof 4,610 5 $500- $1000 Deductible 1580 5 Brick siding yes
2012 485,000 Asphalt Shingles Roof 1,920 4 $5000 to $10,000 Deductible 280 2 Vinyl siding yes
1979 1,030,000 Shingles Roof 4,170 5 $2500-$5000 Deductible 4020 12 Fiber-Cement Siding yes
2010 560,000 Metal Roof 2,360 4 $5000 to $10,000 Deductible 1150 8 Brick siding No
1973 830,000 Shingles Roof 3,150 4 $500 Deductible 3750 10 Brick siding No
2014 690,000 Membrane Roof 2,300 5 $500 Deductible 3430 10 Stone Siding No
1977 450,000 Asphalt Shingles Roof 2,010 5 $1000-$2500 Deductible 400 3 Stone Siding yes
2011 985,000 Slate Shingles Roof 4,630 5 $500- $1000 Deductible 2120 6 Fiber-Cement Siding No
1972 705,000 Membrane Roof 2,480 4 $500 Deductible 3090 9 Stone Siding yes
1975 700,000 Metal Roof 2,380 4 $1000-$2500 Deductible 220 1 Wood siding No
1964 1,115,000 Composition Roof 4,220 5 > $10,000 Deductible 1650 9 Brick siding No
1969 585,000 Tile Roof 2,230 4 $1000-$2500 Deductible 660 5 Vinyl siding No
1971 760,000 Asphalt Shingles Roof 2,480 4 $500- $1000 Deductible 2580 9 Stucco siding yes
1971 440,000 Membrane Roof 1,510 5 $1000-$2500 Deductible 460 4 Stone Siding No
1974 970,000 Composition Roof 4,240 5 $500 Deductible 1780 5 Stone Siding yes
2010 1,140,000 Slate Shingles Roof 3,730 5 $1000-$2500 Deductible 2250 7 Fiber-Cement Siding yes
1974 360,000 Metal Roof 1,640 4 > $10,000 Deductible 750 10 Wood siding No