Montclair Insurance Rates:

Montclair, NJ homeowners insurance is about $794 to $1,081, about $66-$90/month. Our all inclusive analysis indicates shoppers can save upto $374 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
I like progressive because they are fairly lenient if i should not be able to make a payment on time. their customer service representatives are fairly understanding.
Aaa
The premium we received was significantly less cost than other competitors locally and online. thankfully, we are able to afford our policy with relative ease.
Narragansett Bay Insurance Company
I like that they offered me a policy that was competitive in price with all of the coverage i had with my former insurance company. it saved me money but i did not have to eliminate any coverage or raise deductibles.
Aaa
Should I shop around I would probably find some type of insurance that is lower? Although I am familiar with AAA and have a track record with them. And I feel that the time I would spend looking for lower insurance rates might only yield a few extra dollars in savings. Big deal.
Liberty Mutual
The only thing I do not like is that my premium went up after my first claim. It did not go up by a lot but I was upset that it went up at all. It felt like I was being punished for an accident that I had no control over.
State Farm
Nothing, in particular, the app can be improved, confusing use the web interface. I've always had a great customer service experience with them
Allstate
I think the premium is a bit high but the company and the local agent is one that my family (parents) have used for many years and we trust the agent completely. We are willing to pay more for good service.
Allstate
I have tried multiple times to log in to the company website but never succeeded. I have been unable to ascertain the correct username and password most of the time. I also often get a message saying that the site is "currently unavailable" and to "try back later".

Montclair, NJ Homeowners Insurance By Home Value

Montclair, NJ Home Value Total Homes % of Total Average Montclair, NJ Homeowners Insurance
Less than $50,000 70 3.0% $37
$100,000 to $124,999 83 3.0% $168
$125,000 to $149,999 29 1.0% $215
$150,000 to $174,999 89 3.0% $252
$175,000 to $199,999 63 2.0% $290
$200,000 to $249,999 294 13.0% $356
$250,000 to $299,999 377 16.0% $431
$300,000 to $399,999 1,204 53.0% $552

Top Home Insurance Agents Near Montclair, NJ

Home Insurance Company Near Montclair, NJ Homeowners Insurance Agency Near Montclair, NJ Address
Allstate Deborah Allen 24214A Merrick Blvd, Rosedale, NY, 11422
Travelers Gonzalez & Company Ins Agy Inc 5833 Kennedy Blvd North Bergen, Union City, NJ, 7047
Travelers Gottliebs Insurance Agency Inc 66 ROUTE 59, MONSEY, NY, 10952
Allstate Jimmy Cheng 2650 Route 130 Ste 1, Cranbury, NJ, 8512
State Farm Kurt Thoma 5 Fairlawn Dr, Suite 107, Washingtonville, NY, 10992

Cost Of Homeowners Insurance By Street Near Montclair, NJ

Streets in Montclair Area Homeowners Insurance Cost
Braemore Rd, Ward Pl, Haddon Pl, High Ter, Morningside Ave, Normal Ave, Warfield St, Riverview Dr W, Erwin Park, The Crescent$966
Manor Ct, Heller Way, Willowdale Ct, Wellesley Rd, Van Vleck St, Grenada Pl, Warman St, Ardsley Rd, Bellevue Plz, S Park St$872
Ferncliff Ter, Valley Way, Garden St, Macopin Ave, Sutherland Rd, Christopher St, Alexander Ct, Upper Mountain Ave, Lorraine Ave, Saint Lukes Pl$944
Graham Ter, Amherst Pl, Parkhurst Pl, N Willow St, Hartley St, Bruce Rd, Alexander Ave, Mount Hebron Rd, Carlisle Rd, Willard Pl$965
Lee Pl, Trinity Pl, Crestview Ct, Warren Pl, Vincent Pl, Mountain Ter, Kips Ridge, Pierson Pl, Laurel Place Plz, Belvidere Pl$965

Montclair, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Montclair$139 to $141
Upper Montclair$143
Glen Ridge$139
Bloomfield$129

Montclair, 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
Upper Montclair CDP, New Jersey $143 $191 $287
Glen Ridge borough, New Jersey $140 $186 $279
Bloomfield township, Essex County, New Jersey $129 $172 $258

Montclair, 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
Montclair, NJ2.1%7.8%
Upper Montclair2.0%7.98%
Glen Ridge2.06%7.76%
Bloomfield2.63%7.18%

Montclair Renters Insurance as a Percentage of Rent

Montclair Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 146 2.0% $744
$300 to $499 137 2.0% $1194
$500 to $749 138 2.0% $1869
$750 to $999 734 12.0% $2619
$1,000 to $1,499 2,483 42.0% $3744
$1,500 or more 2,144 36.0% $5394

Montclair, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$4,300
Yearly Montclair Homeowner Insurance Premium Example $3,100$2,600
Out of Pocket Expense During Claim$1,300$4,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $26,100$25,100
Net Savings to Montclair Home Owner from High Deductible Plan $1,000

Montclair, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Montclair, NJ Home Replacement Value MORE than Home Value Montclair, NJ Home Replacement Value LESS than Home Value
Replacement Value $1,210,000 $730,000
Insurance Premium based on Replacement Value $4,950 $3,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $270,000 Risk Exposure from Under Insuring Coverage is $210,000
Premium Impact Insurance cheaper by $850/year Insurance costlier by $1,100/year

Example Montclair Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAmica Mutual Insurance CompanyState Farm
Monthly Premium 249208149
Year Built 195619651944
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $600000-$700000$800000-$900000$350000-$400000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1958 370,000 Wood Shake Roof 1,350 2 $1000-$2500 Deductible 500 3 Vinyl siding No
1964 500,000 Slate Shingles Roof 1,660 4 $1000-$2500 Deductible 750 5 Wood siding No
1944 455,000 Wood Shake Roof 1,600 3 $2500-$5000 Deductible 740 6 Stucco siding yes
1944 640,000 Asphalt Shingles Roof 2,690 4 $500 Deductible 810 3 Stucco siding yes
1965 650,000 Metal Roof 1,980 4 $1000-$2500 Deductible 2780 12 Vinyl siding No
1958 660,000 Tile Roof 2,150 5 $5000 to $10,000 Deductible 1300 10 Brick siding yes
1961 395,000 Tile Roof 1,550 3 $1000-$2500 Deductible 260 2 Stone Siding No
1947 320,000 Slate Shingles Roof 1,030 2 $5000 to $10,000 Deductible 220 2 Brick siding No
1967 835,000 Tile Roof 2,550 4 $1000-$2500 Deductible 1370 5 Fiber-Cement Siding yes
1960 615,000 Shingles Roof 2,730 5 $2500-$5000 Deductible 1520 9 Fiber-Cement Siding yes
1943 700,000 Slate Shingles Roof 2,330 3 $500 Deductible 2600 8 Vinyl siding No
1941 850,000 Wood Shake Roof 2,580 5 $2500-$5000 Deductible 1120 4 Stucco siding No
1953 350,000 Asphalt Shingles Roof 1,420 2 $1000-$2500 Deductible 650 5 Fiber-Cement Siding yes
1969 445,000 Asphalt Shingles Roof 1,450 2 $2500-$5000 Deductible 530 4 Wood siding yes
1960 380,000 Membrane Roof 1,150 2 $500- $1000 Deductible 1140 9 Vinyl siding yes
1940 705,000 Wood Shake Roof 2,700 4 $2500-$5000 Deductible 220 1 Brick siding No
1957 365,000 Metal Roof 1,530 5 > $10,000 Deductible 420 4 Vinyl siding yes
1958 1,220,000 Shingles Roof 4,260 5 $1000-$2500 Deductible 2100 7 Vinyl siding No
1966 235,000 Membrane Roof 990 2 $2500-$5000 Deductible 470 9 Wood siding No
1965 710,000 Composition Roof 2,600 5 $5000 to $10,000 Deductible 2050 12 Fiber-Cement Siding No
1950 1,040,000 Membrane Roof 3,880 5 $500 Deductible 3000 9 Fiber-Cement Siding yes
1957 545,000 Slate Shingles Roof 1,700 2 $500- $1000 Deductible 850 3 Wood siding No
1957 460,000 Membrane Roof 1,680 3 $500- $1000 Deductible 930 7 Vinyl siding No
1966 330,000 Asphalt Shingles Roof 1,030 2 $500- $1000 Deductible 640 4 Stone Siding yes
1966 870,000 Shingles Roof 2,890 4 $500 Deductible 3150 9 Stone Siding No
1951 515,000 Asphalt Shingles Roof 1,570 3 $1000-$2500 Deductible 1210 5 Stone Siding yes