Ramsey Insurance Rates:

Ramsey, NJ homeowners insurance is roughly $780 to $1,071, about $65-$89/month. Our complete research shows customers can save upto $370 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Ramsey, NJ Homeowners Insurance By Home Value

Ramsey, NJ Home Value Total Homes % of Total Average Ramsey, NJ Homeowners Insurance
Less than $50,000 14 1.0% $37
$70,000 to $79,999 45 4.0% $120
$80,000 to $89,999 12 1.0% $138
$100,000 to $124,999 29 3.0% $175
$150,000 to $174,999 20 2.0% $268
$175,000 to $199,999 26 2.0% $305
$200,000 to $249,999 77 8.0% $370
$250,000 to $299,999 150 15.0% $453
$300,000 to $399,999 566 60.0% $583

Top Home Insurance Agents Near Ramsey, NJ

Home Insurance Company Near Ramsey, NJ Homeowners Insurance Agency Near Ramsey, NJ Address
State Farm Brian Downes 19519 Northern Blvd, Flushing, NY, 11358-3034
Travelers Double Eagle Agency Inc 372 WILLIS AVENUE, MINEOLA, NY, 11501
Travelers Ferrar Insurance Agency 120 Franklin Avenue , Franklin Square, NY, 11010
Allstate Kevin Garcia 843 Rahway Ave, Woodbridge, NJ, 7095
Travelers Natalie Lindsay Skorton Ins Agency Inc 1474 STATE HIGHWAY 23 PACKANACK LAKE SHOPPING CENTER, WAYNE, NJ, 7470

Cost Of Homeowners Insurance By Street Near Ramsey, NJ

Streets in Ramsey Area Homeowners Insurance Cost
Lillian Ct, N Island Ave, Swan Hollow, Fen Ct, Island Ave, Lakeside Dr, Quail Run, Canterbury Dr, Briarcliff Ct, N Spruce St$948
Bedford Pl, Van Gelder Ct, Dixon St, Kate Ct, Georgetown Dr, Maple Ct, Collette Dr, Hillview Pl, Bonnieview Ter, Swan St$944
N Jean St, Overlook Ct, Kelleher Ave, Schierloh Ct, Brookside Rd, Armstrong Ave, Acorn Ct, Upland Rd, Fairfax Dr, Goose Cove Ln$955
Momar Dr, Elbert Ct, Joshua Dr, Norman Dr, Mohawk Dr, Balfour Ln, Spruce Run, Deer Trl N, Buckingham Dr, Crescent Hollow Ct$950
Prince St, Hosking Way, Carol St, Redwood Ct, Clarana St, Candlelight Dr, Shadyside Rd, Alder Dr, Spear Rd, N Central Ave$958

Ramsey, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ramsey$137 to $140
Allendale$145
Upper Saddle River$155
Mahwah$134

Ramsey, 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
Allendale borough, New Jersey $145 $193 $290
Upper Saddle River borough, New Jersey $155 $207 $311
Mahwah township, Bergen County, New Jersey $134 $179 $269

Ramsey, 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
Ramsey, NJ2.4%7.7%
Allendale2.13%8.07%
Upper Saddle River2.16%8.62%
Mahwah2.7%7.48%

Ramsey Renters Insurance as a Percentage of Rent

Ramsey Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 18 2.0% $299
$200 to $299 33 4.0% $749
$300 to $499 34 4.0% $1199
$500 to $749 15 1.0% $1874
$750 to $999 39 4.0% $2624
$1,000 to $1,499 339 42.0% $3749
$1,500 or more 314 39.0% $5399

Ramsey, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Ramsey Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $8,800$7,800
Net Savings to Ramsey Home Owner from High Deductible Plan $1,000

Ramsey, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ramsey, NJ Home Replacement Value MORE than Home Value Ramsey, NJ Home Replacement Value LESS than Home Value
Replacement Value $756,000 $428,000
Insurance Premium based on Replacement Value $4,225 $2,400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $158,000 Risk Exposure from Under Insuring Coverage is $170,000
Premium Impact Insurance cheaper by $950/year Insurance costlier by $875/year

Example Ramsey Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceFarmers InsuranceGEICO Insurance
Monthly Premium 150326246
Year Built 199919411965
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $500000-$600000More than 10000000$600000-$700000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1973 425,000 Wood Shake Roof 1,570 3 $5000 to $10,000 Deductible 540 5 Vinyl siding No
1976 750,000 Wood Shake Roof 2,690 5 $1000-$2500 Deductible 240 1 Stucco siding yes
1983 535,000 Shingles Roof 1,860 5 $5000 to $10,000 Deductible 120 1 Stucco siding yes
1941 720,000 Membrane Roof 2,710 5 $5000 to $10,000 Deductible 420 3 Brick siding yes
1964 1,470,000 Tile Roof 4,870 5 $5000 to $10,000 Deductible 1420 5 Stucco siding No
1973 430,000 Asphalt Shingles Roof 1,500 3 $1000-$2500 Deductible 980 8 Stone Siding No
1967 430,000 Asphalt Shingles Roof 1,430 3 $2500-$5000 Deductible 1130 10 Stone Siding No
1997 1,115,000 Membrane Roof 3,770 5 $5000 to $10,000 Deductible 230 1 Vinyl siding No
1988 605,000 Shingles Roof 2,610 4 $5000 to $10,000 Deductible 1520 10 Stone Siding yes
1966 425,000 Tile Roof 1,600 5 $2500-$5000 Deductible 1270 9 Brick siding yes
1986 575,000 Shingles Roof 1,940 4 $5000 to $10,000 Deductible 380 4 Brick siding yes
1998 395,000 Wood Shake Roof 1,730 4 $2500-$5000 Deductible 840 6 Fiber-Cement Siding yes
2006 585,000 Composition Roof 2,600 4 $1000-$2500 Deductible 1110 6 Wood siding No
1963 745,000 Metal Roof 2,490 4 $500- $1000 Deductible 470 2 Stucco siding No
2002 455,000 Tile Roof 1,920 4 > $10,000 Deductible 1430 10 Vinyl siding No
1943 595,000 Membrane Roof 2,010 4 $500- $1000 Deductible 1240 6 Wood siding yes
1991 490,000 Composition Roof 2,050 3 $1000-$2500 Deductible 2220 12 Vinyl siding yes
1991 1,040,000 Wood Shake Roof 4,700 5 $2500-$5000 Deductible 1810 7 Stone Siding No
1991 440,000 Shingles Roof 1,660 4 $2500-$5000 Deductible 780 7 Vinyl siding No
1998 640,000 Metal Roof 3,000 5 $2500-$5000 Deductible 2360 9 Fiber-Cement Siding yes
1993 965,000 Tile Roof 3,900 5 $500- $1000 Deductible 2320 8 Vinyl siding No
1995 710,000 Asphalt Shingles Roof 2,720 5 > $10,000 Deductible 890 7 Vinyl siding yes
1946 460,000 Metal Roof 1,970 3 $500 Deductible 1050 7 Stone Siding No
1960 570,000 Shingles Roof 2,080 4 $5000 to $10,000 Deductible 330 2 Vinyl siding yes
1974 735,000 Asphalt Shingles Roof 2,390 3 $2500-$5000 Deductible 590 2 Stone Siding No
1989 470,000 Composition Roof 1,840 3 $500- $1000 Deductible 1720 9 Fiber-Cement Siding yes
1941 705,000 Composition Roof 2,590 5 $500 Deductible 2560 10 Wood siding yes
1944 580,000 Asphalt Shingles Roof 2,700 4 $500- $1000 Deductible 200 1 Stone Siding yes
1971 355,000 Shingles Roof 1,310 3 $2500-$5000 Deductible 90 1 Stucco siding yes
1990 430,000 Asphalt Shingles Roof 1,570 3 $500 Deductible 1560 8 Fiber-Cement Siding No
1941 445,000 Membrane Roof 1,930 3 $1000-$2500 Deductible 580 3 Stone Siding yes
1964 695,000 Shingles Roof 2,400 3 $500 Deductible 2510 8 Wood siding No