Neptune Insurance Rates:

Neptune, NJ homeowners insurance is roughly $726 to $985, about $60-$82/month. Our detailed analysis reveals consumers can save as much as $342 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Communication is great! They send out emails on occasion but do not spam me constantly which I really appreciate. If I have any questions at all, I call my agent and they are quick with getting me the information I requested. Very easy to work with!
State Farm
They have a loyalty discount but need to have an even better one if you've been with them for over 25 years. I don't like that they don't offer more rewards for loyalty. I wish the insurance cost less, but I could say that about anything.
State Farm
I haven't shopped for new insurance in three years. At that point, it was in line with others.
Liberty Mutual
Their rate is a bit high for my liking and the overall feel of dealing with them is impersonal. I would like to have a better experience with dealing with lowering my rate than just getting the standard response.
State Farm
I like the customer service and their responses to the questions i might ask them over the phone during the time.
Farmer's Insurance
Using the 1800 number for farmers is fine if you want to hold for long periods of time. maybe it was a bad time but i just have no patience.
Farmer's Insurance
Farmers insurance agency is helpful and our agent is wonderful. she is helpful and has always returned phone calls when we leave a message. prompt and courteous even with emails.

Neptune, NJ Homeowners Insurance By Home Value

Neptune, NJ Home Value Total Homes % of Total Average Neptune, NJ Homeowners Insurance
Less than $50,000 130 2.0% $59
$150,000 to $174,999 166 2.0% $419
$175,000 to $199,999 259 4.0% $487
$200,000 to $249,999 852 14.0% $590
$250,000 to $299,999 1,488 25.0% $719
$300,000 to $399,999 2,843 48.0% $915

Top Home Insurance Agents Near Neptune, NJ

Home Insurance Company Near Neptune, NJ Homeowners Insurance Agency Near Neptune, NJ Address
Travelers Anchor Brokerage Co Inc 8232 18TH AVE, BROOKLYN, NY, 11214
Travelers C M & F Group, Inc. 99 HUDSON ST 12TH FL, NEW YORK, NY, 10013
Travelers I Dachs & Sons Inc 1245 W BROADWAY, HEWLETT, NY, 11557
Farmers Louis Campisano 26 Columbia Tpke Ste 103, Florham Park, NJ, 7932
Allstate Seth Jay Sultan 3886 Merrick Rd, Seaford, NY, 11783

Cost Of Homeowners Insurance By Street Near Neptune, NJ

Streets in Neptune Area Homeowners Insurance Cost
Ruth Dr, Cotter Pl, Taylor Ave N, Abbott Ave, Ely Rd, W Concourse, Saint Pauls Pl, New Jersey Ave, Front Cir, Kenneth Ter$881
Beverly Way, Pinebrook Dr, Hemlock Dr, Marie Pl, Irene Pl, Arlington Ct, Greenwood Ave, N Knox Blvd, Bayard Pl, Tide Pl$849
Wells Ave, Wesley Pl, Vernon Ave, Anelve Ave, Sheldon Ave, Bloomfield Ave, Roberta Dr, E Shadowlawn Dr, Gully Rd, Roberta Rd$846
Michelle Ct, Grove Pl, Seaview Cir, Forest Dr, Fletcher Dr, Stratford Ave, Fulham Pl, Oxford Way, Brook Dr, Louisville Ave$863
Marvin Ct, Sunnyfield Ter, Kingsley Pl, Fordham Rd, Golfview Dr, Halton Ct, Elizabeth Ter, Tilton Pl, Daly Pl, Summit Dr$853

Neptune, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Neptune$127 to $130
Shark River Hills$129
Bradley Beach$138
Asbury Park$128

Neptune, 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
Shark River Hills CDP, New Jersey $129 $172 $258
Wanamassa CDP, New Jersey $129 $172 $258
Bradley Beach borough, New Jersey $138 $184 $276

Neptune, 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
Neptune, NJ3.2%8.4%
Shark River Hills3.01%7.88%
Wanamassa2.92%7.17%
Bradley Beach2.75%7.68%

Neptune Renters Insurance as a Percentage of Rent

Neptune Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 78 2.0% $330
$200 to $299 229 6.0% $780
$300 to $499 122 3.0% $1230
$500 to $749 215 6.0% $1905
$750 to $999 630 17.0% $2655
$1,000 to $1,499 1,185 33.0% $3780
$1,500 or more 1,120 31.0% $5430

Neptune, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Neptune Homeowner Insurance Premium Example $1,600$1,100
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,900$8,400
Net Savings to Neptune Home Owner from High Deductible Plan $500

Neptune, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Neptune, NJ Home Replacement Value MORE than Home Value Neptune, NJ Home Replacement Value LESS than Home Value
Replacement Value $403,500 $257,000
Insurance Premium based on Replacement Value $2,300 $1,475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $76,500 Risk Exposure from Under Insuring Coverage is $70,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $425/year

Example Neptune Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAmica Mutual Insurance CompanyTravelers
Monthly Premium 159103135
Year Built 194919631977
Home Details 5 Beds, 3 Baths4 Beds, 3 Baths3 Beds, 2 Baths
Coverage Amount $300000-$350000$250000-$300000$300000-$350000
Deductible $500 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 320,000 Composition Roof 1,970 3 $500 Deductible 1710 10 Stone Siding yes
1942 330,000 Tile Roof 2,030 4 $1000-$2500 Deductible 330 3 Stone Siding yes
1945 320,000 Shingles Roof 1,980 3 $500 Deductible 690 7 Stone Siding yes
1943 405,000 Tile Roof 2,320 3 $500 Deductible 990 5 Vinyl siding No
1964 510,000 Wood Shake Roof 2,810 5 $5000 to $10,000 Deductible 1020 8 Wood siding yes
1961 700,000 Tile Roof 4,380 5 $5000 to $10,000 Deductible 1130 6 Stone Siding yes
1982 360,000 Tile Roof 2,410 4 $1000-$2500 Deductible 670 7 Fiber-Cement Siding No
1944 510,000 Metal Roof 3,320 4 $2500-$5000 Deductible 1250 7 Stucco siding yes
1971 265,000 Membrane Roof 1,670 5 $1000-$2500 Deductible 970 12 Stucco siding No
1946 295,000 Slate Shingles Roof 2,190 3 > $10,000 Deductible 500 9 Brick siding No
1985 505,000 Membrane Roof 3,620 5 $5000 to $10,000 Deductible 1350 8 Vinyl siding No
1981 770,000 Wood Shake Roof 4,150 5 $500 Deductible 3190 10 Stone Siding No
1944 470,000 Composition Roof 2,390 3 $2500-$5000 Deductible 780 4 Vinyl siding No
1943 260,000 Slate Shingles Roof 1,690 4 $500- $1000 Deductible 80 1 Wood siding yes
1968 510,000 Asphalt Shingles Roof 2,940 5 $500- $1000 Deductible 2190 9 Fiber-Cement Siding yes
1976 485,000 Asphalt Shingles Roof 2,510 5 $2500-$5000 Deductible 1120 7 Stone Siding yes
1972 765,000 Tile Roof 4,860 5 $500- $1000 Deductible 1490 5 Stone Siding No
1962 420,000 Wood Shake Roof 2,180 4 $2500-$5000 Deductible 700 4 Wood siding No
1984 280,000 Shingles Roof 1,440 2 $1000-$2500 Deductible 1020 9 Vinyl siding No
1964 300,000 Tile Roof 1,700 2 $500- $1000 Deductible 890 7 Brick siding No
1975 315,000 Tile Roof 1,830 3 $1000-$2500 Deductible 460 5 Stone Siding yes
1984 250,000 Metal Roof 1,430 3 $500 Deductible 990 9 Stone Siding yes
1979 210,000 Wood Shake Roof 1,420 3 $2500-$5000 Deductible 490 10 Fiber-Cement Siding yes
1981 795,000 Tile Roof 4,420 5 $5000 to $10,000 Deductible 3050 12 Brick siding yes