Rahway, NJ Home Insurance - Analysis On Quotes, Rates & Agents
Rahway Insurance Rates:
Rahway, NJ homeowners insurance is about $722 to $981, about $60-$81/month. Our in depth research indicates shoppers can save as much as $340 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
AllstateThe agent is very nice and helpful when assisting me with any questions or issues that my come up regarding coverage or making a payment.
AllstateThe agents are very friendly and helpful. they never make you feel like you are bothering them or asking a stupid question.
State FarmWhen I was looking into insurance, I shopped around with various insurance companies. I found my company's premium to be a bit below average. Since I was already familiar with the company, I decided that this was good enough for my purposes.
NationwideIf there were any dislikes i would leave and find a new company. It's a good company and nothing really bad to say about them. So ill stay with them.
State FarmIn the communication that i've had with my local agent, he's been very good, but the main lady in his office is not efficient. When we had them come out several years ago to evaluate the roof, the process was very easy and impressive.
AaaIt would be helpful if the website had more capability to provide quotes or estimates of premiums if I wanted to check on how much it would change the premium by modifying coverage types or coverage maximums or by changing my deductible, enabling me to see the impact of possible changes and to implement those changes online.
AllstateOverall, I like the home insurance plans provided by my company. I feel that the coverage is excellent and will help protect me in the future. I also appreciate their fast and responsive customer service support team.
Rahway, NJ Homeowners Insurance By Home Value
| Rahway, NJ Home Value | Total Homes | % of Total | Average Rahway, NJ Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 110 | 2.0% | $68 |
| $100,000 to $124,999 | 109 | 2.0% | $298 |
| $125,000 to $149,999 | 53 | 1.0% | $374 |
| $150,000 to $174,999 | 302 | 5.0% | $443 |
| $175,000 to $199,999 | 315 | 6.0% | $511 |
| $200,000 to $249,999 | 814 | 15.0% | $613 |
| $250,000 to $299,999 | 1,032 | 19.0% | $749 |
| $300,000 to $399,999 | 2,479 | 47.0% | $954 |
Top Home Insurance Agents Near Rahway, NJ
| Home Insurance Company Near Rahway, NJ | Homeowners Insurance Agency Near Rahway, NJ | Address |
|---|---|---|
| State Farm | Debbie Valentine | 1667 Richmond Rd, Staten Island, NY, 10304-2317 |
| Travelers | Mccarthy Hillside Inc | 170 WASHINGTON AVE, DUMONT, NJ, 7628 |
| Allstate | Pasqualy Destefano | 24713 Jamaica, Bellerose, NY, 11426 |
| Travelers | Abatelli Group Inc | 24-55 FRANCIS LEWIS BLVD, WHITESTONE, NY, 11357 |
| Allstate | Alan Aronson | 405 Mill Rd, Hewlett, NY, 11557 |
Cost Of Homeowners Insurance By Street Near Rahway, NJ
| Streets in Rahway Area | Homeowners Insurance Cost |
|---|---|
| Baumann Ct, Terrace St, Alden Dr, Billy Ct, Iva St, Bramhall Rd, E Scott Ave, Cornell Ave, Laurel Pl, Kaminski Dr | $864 |
| W Milton Ave, Irving St, Richard Blvd, W Lake Ave, Dianne Ct, New Brunswick Ave, Maurice Ave, Hancock St, E Milton Ave, Midwood Dr | $859 |
| Concord St, W Albert St, Regina Ave, Albermarle St, Hazel Pl, Augusta St, Walters St, Connor Pl, E Milton Ave, Georgia St | $847 |
| E Lincoln Ave, Capobianco Pl, Trussler Pl, Booth Ct, Richmond Ter, Irving St, Colonial Dr, Di Antonio Dr, Pratt St, Nicholas Pl | $848 |
| Felver Ct, Desisto Dr, Rutherford St, Beacon St, Thorn St, Columbus Pl, Stacy Pl, E Albert Ave, Elm Ter, W Inman Ave | $827 |
Rahway, NJ Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Rahway | $127 to $130 |
| Avenel | $126 |
| Winfield | $124 |
| Colonia | $129 |
Rahway, 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 |
|---|---|---|---|
| Avenel CDP, New Jersey | $106 | $141 | $211 |
| Winfield township, Union County, New Jersey | $104 | $139 | $208 |
| Colonia CDP, New Jersey | $108 | $144 | $216 |
Rahway, NJ Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Rahway, NJ | 2.8% | 7.2% |
| Avenel | 2.94% | 8.91% |
| Winfield | 7.55% | 14.31% |
| Colonia | 2.86% | 7.39% |
Rahway Renters Insurance as a Percentage of Rent
| Rahway Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 47 | 1.0% | $782 |
| $300 to $499 | 309 | 7.0% | $1232 |
| $500 to $749 | 266 | 6.0% | $1907 |
| $750 to $999 | 880 | 21.0% | $2657 |
| $1,000 to $1,499 | 1,530 | 37.0% | $3782 |
| $1,500 or more | 1,028 | 25.0% | $5432 |
Rahway, NJ Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $2,800 |
| Yearly Rahway Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $1,800 | $2,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,400 | $6,800 |
| Net Savings to Rahway Home Owner from High Deductible Plan | $600 | |
Rahway, NJ Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Rahway, NJ Home Replacement Value MORE than Home Value | Rahway, NJ Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $375,500 | $208,000 |
| Insurance Premium based on Replacement Value | $1,725 | $950 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $81,000 | Risk Exposure from Under Insuring Coverage is $86,500 |
| Premium Impact | Insurance cheaper by $400/year | Insurance costlier by $375/year |
Example Rahway Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Travelers | Amica Mutual Insurance Company | State Farm |
| Monthly Premium | 75 | 188 | 175 |
| Year Built | 1969 | 1989 | 1951 |
| Home Details | 3 Beds, 1 Baths | 5 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $600000-$700000 | $400000-$500000 |
| Deductible | $5000 to $10,000 Deductible | $1000-$2500 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Rahway, NJ from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1979 | 410,000 | Wood Shake Roof | 3,030 | 5 | > $10,000 Deductible | 510 | 5 | Wood siding | yes |
| 1958 | 330,000 | Membrane Roof | 2,000 | 4 | $500- $1000 Deductible | 350 | 3 | Fiber-Cement Siding | yes |
| 1985 | 220,000 | Composition Roof | 1,340 | 2 | $5000 to $10,000 Deductible | 580 | 10 | Stucco siding | yes |
| 1947 | 250,000 | Shingles Roof | 1,390 | 3 | $1000-$2500 Deductible | 720 | 9 | Fiber-Cement Siding | yes |
| 1968 | 440,000 | Metal Roof | 2,900 | 4 | $500 Deductible | 990 | 5 | Wood siding | No |
| 1965 | 300,000 | Composition Roof | 2,330 | 3 | $1000-$2500 Deductible | 370 | 4 | Vinyl siding | yes |
| 1983 | 480,000 | Tile Roof | 3,140 | 5 | $2500-$5000 Deductible | 580 | 4 | Stucco siding | No |
| 1949 | 175,000 | Slate Shingles Roof | 1,360 | 3 | $5000 to $10,000 Deductible | 160 | 4 | Vinyl siding | yes |
| 1989 | 225,000 | Slate Shingles Roof | 1,200 | 2 | $5000 to $10,000 Deductible | 610 | 10 | Stone Siding | No |
| 1979 | 400,000 | Asphalt Shingles Roof | 2,280 | 3 | $2500-$5000 Deductible | 540 | 4 | Fiber-Cement Siding | No |
| 1972 | 280,000 | Slate Shingles Roof | 2,060 | 3 | $500- $1000 Deductible | 780 | 7 | Vinyl siding | yes |
| 1947 | 565,000 | Shingles Roof | 4,060 | 5 | $1000-$2500 Deductible | 1290 | 8 | Stucco siding | yes |
| 1978 | 150,000 | Shingles Roof | 1,120 | 2 | $500- $1000 Deductible | 630 | 10 | Fiber-Cement Siding | yes |
| 1985 | 245,000 | Shingles Roof | 1,710 | 3 | $500- $1000 Deductible | 90 | 1 | Fiber-Cement Siding | yes |
| 1956 | 630,000 | Tile Roof | 3,300 | 4 | $5000 to $10,000 Deductible | 1660 | 9 | Wood siding | yes |
| 1983 | 405,000 | Membrane Roof | 2,920 | 4 | $500 Deductible | 220 | 1 | Brick siding | No |
| 1955 | 210,000 | Metal Roof | 1,310 | 2 | $500 Deductible | 270 | 4 | Brick siding | No |
| 1980 | 330,000 | Metal Roof | 2,430 | 4 | $5000 to $10,000 Deductible | 450 | 7 | Wood siding | yes |
| 1963 | 295,000 | Membrane Roof | 1,990 | 3 | $2500-$5000 Deductible | 910 | 8 | Stone Siding | No |
| 1941 | 680,000 | Membrane Roof | 3,560 | 5 | $5000 to $10,000 Deductible | 2150 | 12 | Brick siding | yes |
| 1987 | 570,000 | Membrane Roof | 3,310 | 4 | > $10,000 Deductible | 770 | 5 | Stucco siding | yes |
| 1966 | 370,000 | Tile Roof | 2,530 | 5 | $500 Deductible | 1320 | 8 | Fiber-Cement Siding | yes |
| 1980 | 500,000 | Wood Shake Roof | 2,700 | 5 | $5000 to $10,000 Deductible | 1340 | 8 | Fiber-Cement Siding | No |
| 1963 | 925,000 | Composition Roof | 4,960 | 5 | $1000-$2500 Deductible | 540 | 2 | Fiber-Cement Siding | No |
| 1977 | 560,000 | Tile Roof | 3,350 | 5 | $2500-$5000 Deductible | 750 | 6 | Vinyl siding | No |
| 1987 | 295,000 | Tile Roof | 1,850 | 3 | $500 Deductible | 380 | 5 | Wood siding | yes |
| 1978 | 700,000 | Membrane Roof | 3,990 | 5 | $2500-$5000 Deductible | 1320 | 7 | Stucco siding | yes |
| 1949 | 320,000 | Membrane Roof | 2,270 | 4 | $1000-$2500 Deductible | 270 | 3 | Stone Siding | yes |
| 1941 | 300,000 | Membrane Roof | 1,680 | 2 | $2500-$5000 Deductible | 820 | 9 | Stone Siding | No |
| 1941 | 235,000 | Tile Roof | 1,250 | 2 | $2500-$5000 Deductible | 90 | 1 | Wood siding | No |
| 1968 | 315,000 | Metal Roof | 1,740 | 3 | $500 Deductible | 260 | 2 | Brick siding | yes |
| 1968 | 300,000 | Tile Roof | 1,970 | 3 | $5000 to $10,000 Deductible | 1090 | 9 | Stucco siding | No |
| 1941 | 785,000 | Composition Roof | 4,680 | 5 | $1000-$2500 Deductible | 2970 | 10 | Fiber-Cement Siding | yes |
| 1946 | 455,000 | Metal Roof | 3,190 | 4 | $2500-$5000 Deductible | 310 | 2 | Brick siding | yes |