Oakland Insurance Rates:

Oakland, NJ homeowners insurance is approximately $763 to $1,037, about $63-$86/month. Our all inclusive analysis shows customers can save as much as $360 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Oakland, NJ Homeowners Insurance By Home Value

Oakland, NJ Home Value Total Homes % of Total Average Oakland, NJ Homeowners Insurance
$90,000 to $99,999 16 1.0% $180
$100,000 to $124,999 28 2.0% $207
$175,000 to $199,999 30 2.0% $351
$200,000 to $249,999 60 4.0% $432
$250,000 to $299,999 132 10.0% $522
$300,000 to $399,999 974 76.0% $666

Top Home Insurance Agents Near Oakland, NJ

Home Insurance Company Near Oakland, NJ Homeowners Insurance Agency Near Oakland, NJ Address
Travelers J & S Coverage 109 LAFAYETTE STREET SUITE 705, NEW YORK, NY, 10013
Nationwide James J Theiss 600 N Broadway STE 224, White Plains, NY, 10603-2408
State Farm Matthette Williams 60 Broadway, Denville, NJ, 07834-2765
Allstate Rose & Kiernan Inc 83 WOOSTER HTS, DANBURY, CT, 6810
Liberty Mutual Independent S. Martin Johnson & Associates Ltd 13 FIFTH AVE, PELHAM, NY, 10803

Cost Of Homeowners Insurance By Street Near Oakland, NJ

Streets in Oakland Area Homeowners Insurance Cost
Roosevelt Blvd, Silver Birch Ave, Highland Cross, Commanche Trl, Patriots Way, Fieldstone Ct, Robin Ln, Wenonah Ave, River Dell, Osage Rd$907
Crosby Ln, Acorn Ave, Aspen Way, Walton Ave, Breakneck Rd, Pine Crest Dr, Garrison Pl, Columbia Way, Pool Hollow Rd, Raritan Rd$909
Valley Forge Rd, Shoshone Path, Bailey Ave, Florence Ave, Lenape Ln, Shelter Ln, Ryerson St, Navajo Way, Princeton Ter, Butternut Ct$898
Muller Rd, Acorn St, Lawlor Dr, Purdue Ave, Hunters Run, Pawnee Ave, Morningstar Ln, Minsi Pl, Island Ter, Hopper St$895
Seton Hall Dr, Chickasaw Dr, Algonquin Trl, Fox Ct, W Sheffield St, Tomahawk Trl, Doty Rd, Post Rd, Lakeside Blvd, Morton Pl$901

Oakland, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oakland$134 to $137
Franklin Lakes$159
Wanaque$128
Pompton Lakes$129

Oakland, 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
Franklin Lakes borough, New Jersey $159 $212 $318
Wanaque borough, New Jersey $128 $171 $257
Pompton Lakes borough, New Jersey $129 $172 $258

Oakland, 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
Oakland, NJ2.5%7.5%
Franklin Lakes2.21%8.84%
Wanaque2.87%7.12%
Pompton Lakes2.65%7.16%

Oakland Renters Insurance as a Percentage of Rent

Oakland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 23 11.0% $1886
$1,000 to $1,499 75 35.0% $3761
$1,500 or more 111 53.0% $5411

Oakland, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Oakland Homeowner Insurance Premium Example $2,500$2,000
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $21,000$20,000
Net Savings to Oakland Home Owner from High Deductible Plan $1,000

Oakland, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oakland, NJ Home Replacement Value MORE than Home Value Oakland, NJ Home Replacement Value LESS than Home Value
Replacement Value $536,000 $354,000
Insurance Premium based on Replacement Value $2,475 $1,625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $112,000 Risk Exposure from Under Insuring Coverage is $70,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $525/year

Example Oakland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateState Farm
Monthly Premium 12370184
Year Built 196419791979
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $400000-$500000$300000-$350000$600000-$700000
Deductible $5000 to $10,000 Deductible> $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 560,000 Slate Shingles Roof 3,060 4 $1000-$2500 Deductible 500 2 Stucco siding yes
1976 335,000 Composition Roof 1,600 4 $500 Deductible 830 7 Fiber-Cement Siding No
1971 375,000 Metal Roof 1,610 3 $2500-$5000 Deductible 650 6 Vinyl siding No
1969 1,110,000 Wood Shake Roof 4,390 5 $500 Deductible 970 2 Brick siding No
1963 300,000 Membrane Roof 1,210 3 $1000-$2500 Deductible 430 4 Fiber-Cement Siding yes
1962 435,000 Metal Roof 2,000 3 $500- $1000 Deductible 170 1 Stone Siding yes
1965 465,000 Metal Roof 1,950 3 $500- $1000 Deductible 1390 8 Wood siding yes
1975 510,000 Membrane Roof 1,880 4 $2500-$5000 Deductible 820 5 Fiber-Cement Siding No
1963 850,000 Slate Shingles Roof 3,380 4 $500 Deductible 1670 4 Vinyl siding yes
1960 1,035,000 Shingles Roof 4,100 5 $1000-$2500 Deductible 850 3 Brick siding No
1970 595,000 Slate Shingles Roof 2,680 5 $500 Deductible 960 5 Stucco siding No
1963 830,000 Composition Roof 3,300 4 $5000 to $10,000 Deductible 1490 8 Vinyl siding yes
1964 1,045,000 Wood Shake Roof 4,170 5 > $10,000 Deductible 1960 10 Fiber-Cement Siding No
1964 445,000 Composition Roof 1,960 4 > $10,000 Deductible 360 3 Stucco siding yes
1975 275,000 Wood Shake Roof 1,240 3 $2500-$5000 Deductible 650 7 Stucco siding No
1979 435,000 Slate Shingles Roof 2,210 4 $2500-$5000 Deductible 440 3 Fiber-Cement Siding yes
1968 435,000 Tile Roof 2,170 3 $2500-$5000 Deductible 1420 12 Stucco siding No
1979 370,000 Slate Shingles Roof 1,740 3 > $10,000 Deductible 1040 12 Wood siding No
1964 850,000 Wood Shake Roof 3,130 4 $500- $1000 Deductible 2670 10 Vinyl siding yes
1973 1,010,000 Tile Roof 3,750 5 $5000 to $10,000 Deductible 2820 12 Brick siding yes
1974 365,000 Wood Shake Roof 1,970 3 $5000 to $10,000 Deductible 650 5 Stucco siding No
1975 320,000 Membrane Roof 1,640 3 $1000-$2500 Deductible 940 7 Fiber-Cement Siding No
1967 520,000 Slate Shingles Roof 2,630 5 > $10,000 Deductible 260 2 Vinyl siding yes
1973 455,000 Slate Shingles Roof 2,250 3 > $10,000 Deductible 210 3 Vinyl siding yes
1962 575,000 Asphalt Shingles Roof 2,820 4 $5000 to $10,000 Deductible 1040 7 Vinyl siding No
1967 380,000 Asphalt Shingles Roof 1,990 3 $2500-$5000 Deductible 480 3 Stone Siding yes
1971 470,000 Wood Shake Roof 1,750 3 > $10,000 Deductible 840 8 Vinyl siding No
1972 555,000 Composition Roof 2,050 5 > $10,000 Deductible 320 2 Fiber-Cement Siding No
1969 445,000 Metal Roof 2,210 3 $500- $1000 Deductible 470 3 Brick siding No
1962 315,000 Asphalt Shingles Roof 1,220 3 $5000 to $10,000 Deductible 1140 12 Fiber-Cement Siding yes
1960 445,000 Tile Roof 2,430 4 > $10,000 Deductible 950 10 Brick siding yes
1968 615,000 Asphalt Shingles Roof 2,470 4 $5000 to $10,000 Deductible 1060 7 Brick siding No
1964 405,000 Wood Shake Roof 2,160 3 $2500-$5000 Deductible 130 1 Fiber-Cement Siding No
1970 715,000 Wood Shake Roof 2,720 4 $500- $1000 Deductible 2700 12 Stone Siding yes