Lodi Insurance Rates:

Lodi, NJ homeowners insurance is roughly $734 to $1,000, about $61-$83/month. Our exhaustive guide shows customers can save as much as $346 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
Liberty mutual insurance offered the best rates and made me feel most comfortable with what they offer for home protection.
State Farm
I do not like how expensive the home insurance policy through state farm is. i believe we could work with another company and receive a better price.
State Farm
I had a unique situation when going through the renewal process this year for my renter's insurance and the state farm agent was exceedingly helpful, thoughtful and considerate to expedite the process.
State Farm
It's a little hard to navigate and sometimes I can't get any of the links to work. It ends up sending me in circles instead sending me where I need to be.
Travelers
Geico offered the Traveler's policy. The servicing and customer service is through Geico. I know that travelers will not communicate directly when there is an inquiry and requires that I reach out to Geico for clarity. When the rep does not have an answer, they must submit an inquiry, which requires several callbacks and weeks to hear back from Geico/ Travelers for answers to my question...
State Farm
I am able to quickly and easily access my account and get a summary of what my coverage entails. It's good to know, in the event of the catastrophe.
Allstate
I don't really have anything I dislike. Sometimes they send too many advertisements for products I am not interested in or emails to take surveys that do not really apply to me.

Lodi, NJ Homeowners Insurance By Home Value

Lodi, NJ Home Value Total Homes % of Total Average Lodi, NJ Homeowners Insurance
Less than $50,000 221 9.0% $52
$100,000 to $124,999 31 1.0% $260
$150,000 to $174,999 53 2.0% $381
$175,000 to $199,999 37 1.0% $442
$200,000 to $249,999 250 10.0% $537
$250,000 to $299,999 596 24.0% $650
$300,000 to $399,999 1,204 49.0% $832

Top Home Insurance Agents Near Lodi, NJ

Home Insurance Company Near Lodi, NJ Homeowners Insurance Agency Near Lodi, NJ Address
NA Hamilton Group, Llc 3 Wing Dr Ste 101 , Cedar Knolls, NJ, 7927
NA Warren G. Reiner, Inc. - Clinton 28 Center St, Clinton, NJ, 8809
NA Gallagher Benefits Services, Inc. 250 Park Ave Fl 3 New York, NYC, NY, 10177
Farmers Ilda Cartaxo 244 Harrison Ave, Lodi, NJ, 7644
Travelers Newbridge Coverage Corp 1666 Newbridge Rd Ste A1 North , Bellmore, NY, 11710

Cost Of Homeowners Insurance By Street Near Lodi, NJ

Streets in Lodi Area Homeowners Insurance Cost
Massey St, Savoie St, Davis Dr, Columbia Ln, Hunter St, Money St, Christopher Ct, Norwood Ave, Putnam St, Patton St$864
Annette Ter, Ave C, Trudy Dr, Pasadena Ave, Eastgate Ct, Lawrence Ave, Saint Joseph Blvd, Massey St, South Pl, Hunter St$854
Oak Grove Ave, Hancock St, Arnot St, Mill St, Arnot St, Richmond St, N Mercer St, Robinson Rd, Spartan Row, Paterson$872
Hillside Pl, Charlton Ave, Memorial Dr, Graham Ln, Leo Pl, Sheridan St, Green Ct, Meta Ln, W End, Corabelle Ave$868
Browns Trailer Park, Home Pl, Garfield Ave, Green Ct, Ferndale Ct, Ave B, Ave F, White Oak Dr, Ave F, Hancock St$851

Lodi, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lodi$129 to $132
Hasbrouck Heights$134
Garfield$129
Saddle Brook$131

Lodi, 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
Hasbrouck Heights borough, New Jersey $112 $149 $223
Garfield city, New Jersey $108 $144 $216
Saddle Brook township, Bergen County, New Jersey $109 $145 $218

Lodi, 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
Lodi, NJ2.7%7.3%
Hasbrouck Heights2.83%7.45%
Garfield3.15%8.07%
Saddle Brook2.88%7.91%

Lodi Renters Insurance as a Percentage of Rent

Lodi Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 66 1.0% $325
$300 to $499 222 4.0% $1225
$500 to $749 207 4.0% $1900
$750 to $999 938 18.0% $2650
$1,000 to $1,499 2,568 50.0% $3775
$1,500 or more 1,100 21.0% $5425

Lodi, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Lodi Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,200$8,400
Net Savings to Lodi Home Owner from High Deductible Plan $800

Lodi, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lodi, NJ Home Replacement Value MORE than Home Value Lodi, NJ Home Replacement Value LESS than Home Value
Replacement Value $396,500 $250,000
Insurance Premium based on Replacement Value $1,775 $1,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $83,000 Risk Exposure from Under Insuring Coverage is $63,500
Premium Impact Insurance cheaper by $275/year Insurance costlier by $375/year

Example Lodi Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmLiberty Mutual
Monthly Premium 61311221
Year Built 196419861974
Home Details 3 Beds, 1 Baths5 Beds, 4 Baths4 Beds, 2 Baths
Coverage Amount $200000-$250000$800000-$900000$500000-$600000
Deductible $2500-$5000 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1968 270,000 Membrane Roof 1,310 2 $500- $1000 Deductible 520 6 Stucco siding yes
1962 240,000 Tile Roof 1,440 2 $500 Deductible 180 2 Fiber-Cement Siding No
1985 210,000 Membrane Roof 1,260 2 $500 Deductible 470 5 Fiber-Cement Siding yes
1947 225,000 Membrane Roof 1,290 3 $2500-$5000 Deductible 70 1 Stucco siding yes
1969 350,000 Membrane Roof 1,770 4 $500 Deductible 510 4 Fiber-Cement Siding yes
1981 340,000 Metal Roof 2,110 3 > $10,000 Deductible 150 2 Fiber-Cement Siding No
1966 590,000 Slate Shingles Roof 3,040 4 $500 Deductible 630 2 Fiber-Cement Siding No
1951 195,000 Membrane Roof 1,200 3 $1000-$2500 Deductible 190 3 Vinyl siding No
1950 635,000 Metal Roof 3,650 5 $2500-$5000 Deductible 850 4 Stone Siding yes
1953 515,000 Metal Roof 2,370 5 $1000-$2500 Deductible 1690 8 Wood siding yes
1979 330,000 Metal Roof 1,650 2 $500 Deductible 110 1 Fiber-Cement Siding yes
1964 205,000 Membrane Roof 1,140 2 $500 Deductible 340 5 Wood siding No
1973 450,000 Membrane Roof 2,130 3 $2500-$5000 Deductible 640 4 Fiber-Cement Siding yes
1983 445,000 Membrane Roof 2,130 4 $500- $1000 Deductible 1790 10 Vinyl siding No
1982 255,000 Asphalt Shingles Roof 1,220 3 > $10,000 Deductible 150 3 Brick siding yes
1974 430,000 Tile Roof 2,120 4 $2500-$5000 Deductible 790 5 Brick siding No
1974 295,000 Tile Roof 1,690 3 $2500-$5000 Deductible 160 2 Stucco siding No
1967 285,000 Asphalt Shingles Roof 1,730 3 > $10,000 Deductible 60 1 Stone Siding No
1975 350,000 Metal Roof 2,230 4 $2500-$5000 Deductible 880 7 Brick siding yes
1953 360,000 Shingles Roof 1,780 2 $1000-$2500 Deductible 500 5 Vinyl siding yes
1942 720,000 Wood Shake Roof 3,990 5 $5000 to $10,000 Deductible 360 2 Fiber-Cement Siding No
1971 540,000 Membrane Roof 3,130 4 > $10,000 Deductible 680 4 Stucco siding yes
1970 475,000 Composition Roof 3,030 5 > $10,000 Deductible 1140 8 Brick siding yes
1983 380,000 Tile Roof 2,330 3 $2500-$5000 Deductible 120 1 Vinyl siding No
1955 445,000 Slate Shingles Roof 2,100 3 $500 Deductible 660 5 Stone Siding No
1982 595,000 Slate Shingles Roof 3,270 5 $500 Deductible 1860 7 Brick siding No
1966 535,000 Slate Shingles Roof 3,380 4 $5000 to $10,000 Deductible 400 4 Brick siding yes
1946 240,000 Slate Shingles Roof 1,380 2 $2500-$5000 Deductible 760 8 Fiber-Cement Siding yes
1949 610,000 Wood Shake Roof 2,840 4 > $10,000 Deductible 350 3 Brick siding yes
1971 340,000 Membrane Roof 1,800 2 $500 Deductible 110 1 Fiber-Cement Siding No
1956 285,000 Slate Shingles Roof 1,980 3 $500 Deductible 140 1 Stone Siding yes
1988 310,000 Metal Roof 1,760 4 $1000-$2500 Deductible 320 3 Brick siding yes
1986 370,000 Wood Shake Roof 2,370 4 $5000 to $10,000 Deductible 520 5 Stucco siding No
1969 425,000 Membrane Roof 2,600 5 $500 Deductible 550 4 Brick siding No