Middletown Insurance Rates:

Middletown, NJ homeowners insurance is approximately $748 to $1,016, about $62-$84/month. Our all inclusive guide reveals consumers can save upto $352 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

New Jersey Manufacturers Insurance Company
I would recommend my insurance company, I had two other ones for my homeowners insurance and found that NJM is much more reasonable for the amount of coverage provided.
Allstate
They have a broad portfolio. it is convenient that the same insurance company for all of my needs.
Farmer's Insurance
Raised my rates the first chance they got, only had my policy for the first year and then rates increased.
State Farm
I can always get hold of an agent fairly easily on the phone when i have questions about this company. sometimes they can answer my questions.
Geico
I like how easy it was to sign up online for both home and car insurance and that the agents check in on a regular basis.
Progressive
The payment is escrowed, so I do not have any interaction with my insurance company, with the exception of the initial setup.
New Jersey Manufacturers Insurance Company
I do not like that insurance is required by law. It allows them to charge more for their service and make a lot of money off of hard working people.
State Farm
I am not sure that about other insurance companies but State Farm is loyal to me and I really don't have any complaints about my premium.
Allstate
I like that it is user-friendly and simple to navigate. It offers clear links to different areas of the site and you can download pdf files of all paperwork.
New Jersey Manufacturers Insurance Company
I like the NJM customer service because I work with one agent from start to finish. I have his direct number and if he is unavailable he calls me back at his earliest convenience.
Progressive
I would recommend because of the great experience I have had from them. Great customer service down to the rates for car insurance and home insurance.

Middletown, NJ Homeowners Insurance By Home Value

Middletown, NJ Home Value Total Homes % of Total Average Middletown, NJ Homeowners Insurance
Less than $50,000 198 2.0% $52
$100,000 to $124,999 113 1.0% $229
$125,000 to $149,999 114 1.0% $291
$150,000 to $174,999 578 5.0% $343
$175,000 to $199,999 238 2.0% $396
$200,000 to $249,999 1,239 12.0% $476
$250,000 to $299,999 1,998 20.0% $590
$300,000 to $399,999 5,258 53.0% $749

Top Home Insurance Agents Near Middletown, NJ

Home Insurance Company Near Middletown, NJ Homeowners Insurance Agency Near Middletown, NJ Address
NA Praxis International Corp. 338 Westbury Ave Ste 3 , Carle Place, NY, 11514
State Farm Bill Hannan 70 E Main Street, Oyster Bay, NY, 11771-2416
State Farm Bob Harrison 572 Lafayette Ave, Hawthorne, NJ, 07506-2423
Allstate Nidhi Mohan 2022 Hillside Ave, New Hyde Park, NY, 11040
Allstate Veneshia Jagnanan 23713 Linden Blvd, Elmont, NY, 11003

Middletown, NJ Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Middletown, NJ

Streets in Middletown Area Homeowners Insurance Cost
Baytree Cir, Niles Ave, Tan Vat Rd, Indian Ter, Frost Cir, Hamilton Hill Rd, Deane Way, Twin Brooks Ave, Florence Rd, Cypress Neck Rd$867
Statesir Pl, Renier Ct, Fairview Dr, Waterwitch Dr, Hubbard Ave, High Point Rd, Michigan Ave, Packard Dr, Melrose Ter, Majestic Ave$926
Munch Rd, Sunset Pl, Priscilla Dr, Sherman Ave, Vaughn Dr, Raphael Pl, Sir Anthony Dr, Green Wood Pl, N Hartshorne Rd, Deb Rd$869
Magnolia Ln, Passaic St, Rutledge Dr, Van Dorn Ct, Highview Cir, Carpenter St, Davis Ln, Commonwealth Ave, McCormick Pl, Sandy Hook Ave$867
New Monmouth Rd, Tuller Ct, Albon Ct, Shephard Dr, Hendrickson Ave, Hamilton Pkwy, Mohican Ct, Donald Pl, Hollie Dr W, Seagull Ln$882
Fielding Ave, Decker Dr, Stork Ct, Martel Ct, Gayle St, Sylvia Ter, Lusan Ln, Woodstock Ave, Lawrence Cir, Hill Ter$865
Brotherton Ave, Peninsula Ave, Natalie Way, Bonnie Dr, Coyne Pl, Stephenville Blvd, Gerald Ave, Alexander Dr, Brandywine Way, Willis Pl$877
Kings Hwy E, Cedric Pl, The Lenape Trl, E Morris Ave, Harvey Ave, Hillyer Cir, Auburn Ct, Exeter St, Oakland Ave, Conway Ct$919
Tulip Ln, Walling Pl, Coronet Ave, Vermont Ave, E Lincoln Cir, Mauritzen Pl, Todd Dr, Adam Ct, Greenfield Way, N Fox Ave$865
Starr Ct, Union Pl, Garrett Pl, Birchwood Pl, McCutcheon Ct, Broadway Ave, Unity Ct, Lanark, Lindy Ln, Ware Pl$891

Middletown, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Middletown$131 to $134
Leonardo$127
Navesink$135
Belford$131

Middletown, 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
Leonardo CDP, New Jersey $128 $170 $255
Navesink CDP, New Jersey $136 $181 $272
Belford CDP, New Jersey $131 $174 $261

Middletown, 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
Middletown, NJ2.6%7.4%
Leonardo2.91%9.98%
Navesink2.9%7.54%
Belford2.39%7.28%

Middletown Renters Insurance as a Percentage of Rent

Middletown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 89 2.0% $769
$300 to $499 211 6.0% $1219
$500 to $749 224 7.0% $1894
$750 to $999 363 11.0% $2644
$1,000 to $1,499 1,287 40.0% $3769
$1,500 or more 963 30.0% $5419

Middletown, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$6,800
Yearly Middletown Homeowner Insurance Premium Example $4,000$3,000
Out of Pocket Expense During Claim$800$6,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $28,800$27,800
Net Savings to Middletown Home Owner from High Deductible Plan $1,000

Middletown, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Middletown, NJ Home Replacement Value MORE than Home Value Middletown, NJ Home Replacement Value LESS than Home Value
Replacement Value $569,000 $376,500
Insurance Premium based on Replacement Value $3,075 $2,025
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $71,500 Risk Exposure from Under Insuring Coverage is $121,000
Premium Impact Insurance cheaper by $650/year Insurance costlier by $400/year

Example Middletown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAllstateFarmers Insurance
Monthly Premium 122132161
Year Built 197419611990
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $300000-$350000$400000-$500000$400000-$500000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 485,000 Wood Shake Roof 2,730 4 $5000 to $10,000 Deductible 1050 9 Stone Siding yes
1944 450,000 Wood Shake Roof 2,220 3 $1000-$2500 Deductible 570 3 Stone Siding yes
1967 425,000 Metal Roof 2,240 5 $500- $1000 Deductible 1660 12 Brick siding yes
1968 375,000 Tile Roof 2,260 4 $2500-$5000 Deductible 1030 9 Stone Siding No
1990 890,000 Metal Roof 4,650 5 $5000 to $10,000 Deductible 2000 12 Wood siding No
1973 280,000 Metal Roof 1,350 3 $1000-$2500 Deductible 450 6 Wood siding No
1992 245,000 Membrane Roof 1,200 3 $5000 to $10,000 Deductible 920 12 Stucco siding yes
1989 245,000 Composition Roof 1,280 3 $2500-$5000 Deductible 730 10 Fiber-Cement Siding yes
1996 505,000 Wood Shake Roof 2,170 3 $1000-$2500 Deductible 1070 5 Brick siding yes
1945 470,000 Asphalt Shingles Roof 2,030 5 $5000 to $10,000 Deductible 1500 12 Vinyl siding yes
1987 440,000 Slate Shingles Roof 2,320 3 > $10,000 Deductible 920 10 Brick siding yes
1983 930,000 Shingles Roof 4,750 5 > $10,000 Deductible 1250 6 Vinyl siding yes
1969 465,000 Slate Shingles Roof 2,370 3 $500 Deductible 920 5 Brick siding No
1992 810,000 Membrane Roof 3,620 5 $2500-$5000 Deductible 2200 7 Vinyl siding No
1963 495,000 Metal Roof 2,840 4 $500 Deductible 2580 12 Wood siding yes
1996 530,000 Slate Shingles Roof 2,890 4 > $10,000 Deductible 1130 10 Vinyl siding yes
1946 560,000 Wood Shake Roof 3,170 4 $500 Deductible 2540 10 Stone Siding No
1992 450,000 Composition Roof 2,450 5 $2500-$5000 Deductible 980 7 Wood siding yes
1994 295,000 Wood Shake Roof 1,780 3 $1000-$2500 Deductible 360 4 Wood siding No
1991 720,000 Membrane Roof 3,770 5 > $10,000 Deductible 220 1 Fiber-Cement Siding yes
1961 490,000 Wood Shake Roof 2,520 4 $500- $1000 Deductible 1240 6 Fiber-Cement Siding yes
1973 440,000 Wood Shake Roof 2,370 3 $500 Deductible 720 4 Stone Siding No
1982 360,000 Asphalt Shingles Roof 1,770 3 $1000-$2500 Deductible 1990 12 Stone Siding yes
1964 825,000 Membrane Roof 3,630 5 $500 Deductible 380 1 Stucco siding No
1942 495,000 Composition Roof 2,130 3 $2500-$5000 Deductible 210 1 Stucco siding yes
1977 350,000 Wood Shake Roof 1,530 3 $1000-$2500 Deductible 110 1 Brick siding No
1982 565,000 Tile Roof 2,670 4 $500 Deductible 2700 10 Wood siding yes
1940 610,000 Wood Shake Roof 3,200 4 $5000 to $10,000 Deductible 2290 10 Stucco siding No
1964 465,000 Metal Roof 2,300 4 $2500-$5000 Deductible 480 4 Wood siding yes
1946 740,000 Tile Roof 4,150 5 $500- $1000 Deductible 600 3 Stone Siding yes
1945 335,000 Metal Roof 1,740 3 $500- $1000 Deductible 1180 8 Brick siding yes
1999 450,000 Tile Roof 2,120 3 $5000 to $10,000 Deductible 760 5 Fiber-Cement Siding yes
1985 375,000 Metal Roof 2,330 4 > $10,000 Deductible 1100 12 Brick siding No
1964 365,000 Shingles Roof 1,840 4 $1000-$2500 Deductible 340 3 Wood siding yes

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