Middlesex County, NJ homeowners insurance is about $731 to $990, about $60-$82/month. Our detailed guide indicates shoppers can save upto $344 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Your home is one of your biggest investments, so it makes sense to protect it with insurance. Home insurance can help cover repairs or replacement costs if your home is damaged by events like severe weather, fire, theft, or vandalism. In addition to protecting your home and belongings, home insurance can also help protect you from liability if someone is injured on your property. Most home insurance policies include personal liability coverage, which can help pay for medical expenses and legal fees if you're sued.
The average cost of homeowners insurance in Middlesex County, NJ, is $1098. Home insurance providers in Middlesex County, New Jersey, consider several criteria when calculating your premiums. These include the home's age, location, deductible, claim history, type of materials, and other factors. A swimming pool or trampoline on the property, as well as potential safety systems put in to safeguard your home, are specific elements that insurers also take into account.
VHome has explored the factors influencing the cost of home insurance in Middlesex County, NJ.
By Choosing a Higher Deductible
The amount you agree to contribute to a claim before your insurance provider steps in and pays the balance is known as your home insurance deductible. Raising your deductible can frequently lower the cost of your annual premium. Homeowners must therefore understand how a deductible functions in home insurance coverage. For example, homeowners with deductibles of 500 and 1500 in Middlesex County, New Jersey, pay $1084.82 and $923.86 in premiums, respectively. However, households with deductibles of 2000 and 2500 pay $838.65 and $788.36, respectively. As a result, the higher the deductible, the lower the homeowners insurance rates in Middlesex County, New Jersey.
By Installing Security Features
It's a good idea to install security features in your home if you live in Middlesex County, New Jersey. By doing so, you can help reduce your home insurance rate. Some security features you may want to consider include burglar alarms, security cameras, and deadbolt locks. By taking these measures, you can help to deter burglars and other criminals from targeting your home. As a result, your home insurance provider may be more likely to give you a discount on your premium. For example, homes with deadbolts in Middlesex County, NJ, pay $988.2 on home insurance.
By Maintaining a Zero Claims History
A zero claims history is one of the most important factors in reducing your home insurance rates in Middlesex County, NJ. In order to keep your rates low, it's important to avoid filing any claims with your insurance company. Even one claim can cause your rates to increase significantly. For example, in Middlesex County, NJ, homeowners with no prior claims have to pay a premium of $944.28. In contrast, homeowners in Middlesex County, New Jersey, must pay $1196.82 and $1240.74 for their home insurance.
|Middlesex County, NJ Home Value||Total Homes||% of Total||Average Middlesex County, NJ Homeowners Insurance|
|Less than $50,000||3,042||2.0%||$60|
|$100,000 to $124,999||2,971||2.0%||$275|
|$125,000 to $149,999||3,144||2.0%||$344|
|$150,000 to $174,999||4,764||3.0%||$404|
|$175,000 to $199,999||5,002||3.0%||$473|
|$200,000 to $249,999||19,900||15.0%||$567|
|$250,000 to $299,999||27,582||21.0%||$696|
|$300,000 to $399,999||58,941||45.0%||$877|
|Home Insurance Company Near Middlesex County, NJ||Homeowners Insurance Agency Near Middlesex County, NJ||Address|
|NA||Brown & Brown-E. P. Bishop||2000 Midlantic Drive, Suite 440 Mt. Laurel, Mount Laurel Township, NJ, 8054|
|Liberty Mutual Independent||Arthur J Gallagher & Company||250 Park Ave Fl 3 New York, NYC, NY, 10177|
|Farmers||Jimmy Borowski||645 E Butler Ave Ste A, New Britain, PA, 18901|
|Travelers||Lawley Sachs, Llc||256 Columbia Tpke Ste 201 Florham Park, Florham Park, NJ, 7932|
|Travelers||National Insurance Agency Inc||330 S STATE ST, NEWTOWN, PA, 18940|
|Streets in Middlesex County Area||Homeowners Insurance Cost|
|McClellan Ct, Manor St, Park Ter, Juliet St, Stevenson St, Kuberski Dr, Ellen Cir, Evergreen Ln, Brook St, Center Pl||$855|
|Draco Rd, Albourne St, Salvatore Ave, Dartmouth St, Convent Rd, Kalmia Plz, Stone St, Adams Ave, Dakota Dr, Lily Ct||$820|
|Southridge Dr, Cambridge Rd, N 6th Ave, Junker St, Lefferts St, Leone St, Afton Way, Robin Way, Allwood Rd, E St||$852|
|Kirkpatrick St, Malone Ave, E Lincoln Ave, Rugby Rd, Abeel Rd, Eileen Ct, Balch Ave, Emilia Pl, Beacon Pl, Cox Rd||$854|
|Dillion Ct, Sprague Ave, Cambridge St, Potomac Ave, Russel Rd, Joan St, Stony Path Dr, Edgeworth St, Banyan Ct, Carmel Ln||$855|
|Dobson Rd, Dudley Rd, Culver Ln, St Peter Dr, Co Rd 652, Fairlamb Ave, Stratton St N, Hystrix Plz, Viburnum Ct, Tisdale Pl||$817|
|N Maple St, Wycoff Way E, Falcon Rd, Ardmore Rd, Ellmyer Rd, Grandview Ave E, Dewey Dr, Metlars Ln, Wick Rd, Voorhees St||$901|
|Butternut Mall, Dudiak Ct, Amy Way, Flagstone Dr, Vail Dr, Clubhouse Dr, Essex St, Williamsburg Ct, Saul Pl, Melvin Ave||$813|
|Edgewood Rd, Possum Hollow Rd, Whitehead Ave, Tarbert Ct, Canterbury Ln, Southridge Woods Blvd, Lexington Rd, Hiram St, Walker Ct, Carnwath Ct||$912|
|Cheltenham Ct, S Broadway St, Paper St, Nicholson Ave, Heidi Dr, Quincy St, W Woodbridge Ave, Stradford Rd, Abeel Rd, Rutland St||$860|
|Place||Savings For Senior Occupied Homes|
|Middlesex County||$129 to $131|
|Place||1 Car Bundle Savings On Insurance||2 Car Bundle Savings On Insurance||3 Car Bundle Savings On Insurance|
|East Brunswick township, Middlesex County, New Jersey||$109||$145||$218|
|South River borough, New Jersey||$106||$141||$212|
|Milltown borough, New Jersey||$108||$144||$216|
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
|Middlesex County, NJ||2.9%||7.7%|
|Middlesex County Home By Monthly Rent||Total Homes||% of Total||Estimated Monthly Income To Afford Rented House Including Renters Insurance|
|$200 to $299||1,775||1.0%||$779|
|$300 to $499||2,565||2.0%||$1229|
|$500 to $749||3,345||3.0%||$1904|
|$750 to $999||12,397||13.0%||$2654|
|$1,000 to $1,499||43,561||47.0%||$3779|
|$1,500 or more||26,805||29.0%||$5429|