Middlesex County Insurance Rates:

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.

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Find the Cheap Homeowners Insurance in Middlesex County, NJ

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 Homeowners Insurance By Home Value

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

Top Home Insurance Agents Near Middlesex County, NJ

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

Middlesex County, NJ Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Middlesex County, NJ

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

Middlesex County, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Middlesex County$129 to $131
East Brunswick$130
South River$127
Milltown$129

Middlesex County, 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
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

Middlesex County, 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
Middlesex County, NJ2.9%7.7%
East Brunswick2.7%7.26%
South River3.14%8.6%
Milltown3.14%7.19%

Middlesex County Renters Insurance as a Percentage of Rent

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

Latest Home Insurance Reviews by Location

East Brunswick, NJ

State Farm
I would recommend State Farm to others. While the prices may be average or slightly higher their customer service has been amazing in the limited times I have needed them.
Read more East Brunswick home insurance reviews

North Brunswick, NJ

Allstate
We have always been treated well and have received good value from Allstate over the past 24 years and would highly recommend them to anyone who was in the market for insurance.
Read more North Brunswick home insurance reviews

New Brunswick, NJ

Progressive
I am very satisfied with my home insurance. I have had a great experience with customer service. They are prompted in answering all of my questions .
Read more New Brunswick home insurance reviews

Sayreville, NJ

Progressive
Fair premium rates, excellent customer service that is always helpful and efficient. Policies are laid out fairly well, without too much legalese.
Read more Sayreville home insurance reviews

Woodbridge, NJ

Farmer's Insurance
I would recommend this company for all your insurance needs. The will take care of whatever the problem is. Good rates too.
Read more Woodbridge home insurance reviews

Old Bridge, NJ

Aaa
I would recommend AAA because their customer service is very good. I have used them for both auto and home insurance for years and it's easy to have everything with the same company.
Read more Old Bridge home insurance reviews

Piscataway, NJ

Aaa
Its not the cheapest insurance on the block. If someone is on a really tight budget I would recommend other carriers.
Read more Piscataway home insurance reviews

Monroe, NJ

New Jersey Manufacturers Insurance Company
I would recommend them for insurance I like that I get to work with one person from start to finish. I like that almost everything is covered for a reasonable price.
Read more Monroe home insurance reviews

Perth Amboy, NJ

Allstate
I would recommend this company for home insurance because I believe you are just choosing the lesser of evils, so this company is as good as any other.
Read more Perth Amboy home insurance reviews

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