Ridgewood Insurance Rates:

Ridgewood, NJ homeowners insurance is roughly $822 to $1,121, about $68-$93/month. Our comprehensive research shows customers can save as much as $388 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
The state farm company is many kind of plan about the insurance to my select, if you have car and house it is cover it, it would save more.
Geico
Slightly more expensive than i would like. but i did opt for a more advanced coverage, which may be why.
State Farm
The state farm representative that personally works with me is super friendly and i have never had an issue with an unfriendly staff.
State Farm
I like them, they insure everything I own basically, so I trust them with that obviously.
State Farm
I don't use this company's mobile app (not sure they have one). I like that it's easy to pay my bill and that auto insurance cards are available. I don't like that copies of my policy are not available.
Geico
I have a local agent who is very responsive, and who understands my needs. Things are taken care of within just a day or two when I contact them.
New Jersey Manufacturers Insurance Company
I do not like that insurance is required by law. It allows them to charge more for their service and make a lot of money off of hard working people.

Ridgewood, NJ Homeowners Insurance By Home Value

Ridgewood, NJ Home Value Total Homes % of Total Average Ridgewood, NJ Homeowners Insurance
Less than $50,000 59 13.0% $29
$50,000 to $59,999 17 4.0% $68
$80,000 to $89,999 6 1.0% $116
$100,000 to $124,999 6 1.0% $145
$125,000 to $149,999 9 2.0% $184
$175,000 to $199,999 10 2.0% $252
$200,000 to $249,999 19 4.0% $311
$250,000 to $299,999 40 9.0% $379
$300,000 to $399,999 256 60.0% $476

Top Home Insurance Agents Near Ridgewood, NJ

Home Insurance Company Near Ridgewood, NJ Homeowners Insurance Agency Near Ridgewood, NJ Address
NA Coordinated Insurance Agency, Inc. 130 Maple Avenue 130 Maple Avenue Red Bank, Red Bank, NJ, 7701
Travelers Adp Statewide Insurance Agencies Inc 325 COLUMBIA TPKE STE 106, FLORHAM PARK, NJ, 7932
Travelers Charles Goodman & Co Ltd 1210 PLEASANTVILLE RD, BRIARCLIFF MANOR, NY, 10510
Travelers Comm-Insure Llc 1433 OAK TREE RD, ISELIN, NJ, 8830
Farmers Robert Schwartz 2821 N Jerusalem Rd, East Meadow, NY, 11554

Cost Of Homeowners Insurance By Street Near Ridgewood, NJ

Streets in Ridgewood Area Homeowners Insurance Cost
Maynard Ct, N Broad St, Shelton Rd, Brookmere Ct, Belmont Rd, E Ridgewood Ave, Somerville Rd, Bellair Rd, Unadilla Rd, McGuire Ct$None
Henrietta Ct, S Monroe St, Bryden Pl, Litchfield St, Westfield Ave, Chesterfield St, W Ridgewood Ave, Taylor Rd, Bartell Pl, Circle Ave$943
Virginia Pl, Kira Ln, Stuart St, Norgate Dr, Meadowbrook Ave, Park Slope, Robinson Ln, Parsons Rd, S Hill Rd, Steilen Ave$938
The by Way, Stratford Rd, N Hillside Pl, Hempstead Rd, Fairmount Rd, S Monroe St, Gordon Rd, E Glen Ave, Phelps Rd, Wyndemere Ave$1,010
Bennington Ter, Carolina Pl, S Maple Ave, Auburn Ave, Madison Pl, Alanon Rd, Glenview Rd, Waverly Rd, Nagle St, Wickham Way$937

Ridgewood, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ridgewood$144 to $146
Ho-Ho-Kus$148
Glen Rock$141
Midland Park$134

Ridgewood, 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
Ho-Ho-Kus borough, New Jersey $124 $165 $248
Glen Rock borough, New Jersey $118 $157 $235
Midland Park borough, New Jersey $112 $149 $224

Ridgewood, 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
Ridgewood, NJ2.1%8.1%
Ho-Ho-Kus2.16%8.26%
Glen Rock2.09%7.83%
Midland Park2.54%7.46%

Ridgewood Renters Insurance as a Percentage of Rent

Ridgewood Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 22 1.0% $278
$300 to $499 55 3.0% $1178
$500 to $749 34 2.0% $1853
$750 to $999 48 3.0% $2603
$1,000 to $1,499 362 22.0% $3728
$1,500 or more 1,064 66.0% $5378

Ridgewood, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$4,300
Yearly Ridgewood Homeowner Insurance Premium Example $4,100$3,500
Out of Pocket Expense During Claim$1,300$4,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $30,000$28,800
Net Savings to Ridgewood Home Owner from High Deductible Plan $1,200

Ridgewood, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ridgewood, NJ Home Replacement Value MORE than Home Value Ridgewood, NJ Home Replacement Value LESS than Home Value
Replacement Value $1,220,000 $740,000
Insurance Premium based on Replacement Value $6,225 $3,775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $260,000 Risk Exposure from Under Insuring Coverage is $220,000
Premium Impact Insurance cheaper by $1,125/year Insurance costlier by $1,325/year

Example Ridgewood Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyState FarmLiberty Mutual
Monthly Premium 165243405
Year Built 195419741968
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $500000-$600000$600000-$700000More than 10000000
Deductible $1000-$2500 Deductible$500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Ridgewood, 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 1,520,000 Membrane Roof 4,390 5 $1000-$2500 Deductible 410 1 Fiber-Cement Siding No
1968 985,000 Shingles Roof 2,650 4 $2500-$5000 Deductible 1240 4 Wood siding yes
1956 1,385,000 Metal Roof 4,320 5 $1000-$2500 Deductible 2360 6 Vinyl siding yes
1976 820,000 Wood Shake Roof 2,390 4 $2500-$5000 Deductible 920 4 Wood siding No
1960 840,000 Membrane Roof 2,680 5 $5000 to $10,000 Deductible 1000 4 Wood siding No
1947 1,445,000 Tile Roof 3,830 5 $5000 to $10,000 Deductible 1670 6 Fiber-Cement Siding No
1963 720,000 Slate Shingles Roof 2,150 3 $2500-$5000 Deductible 1600 6 Fiber-Cement Siding yes
1943 495,000 Composition Roof 1,730 3 $500- $1000 Deductible 2360 10 Stone Siding No
1963 1,040,000 Composition Roof 3,170 5 $5000 to $10,000 Deductible 1010 4 Stone Siding No
1945 605,000 Wood Shake Roof 2,150 4 $500- $1000 Deductible 1580 6 Vinyl siding No
1952 720,000 Composition Roof 2,060 3 > $10,000 Deductible 600 4 Stone Siding yes
1966 615,000 Metal Roof 1,740 4 $500- $1000 Deductible 1320 8 Stucco siding No
1963 850,000 Tile Roof 3,000 4 $2500-$5000 Deductible 2930 10 Stone Siding yes
1957 490,000 Tile Roof 1,800 3 $500- $1000 Deductible 1500 6 Stone Siding yes
1943 1,140,000 Metal Roof 3,770 5 $5000 to $10,000 Deductible 3040 10 Vinyl siding No
1966 615,000 Composition Roof 2,030 4 $1000-$2500 Deductible 1110 7 Fiber-Cement Siding No
1968 670,000 Slate Shingles Roof 1,770 5 $2500-$5000 Deductible 1360 6 Vinyl siding No
1942 690,000 Shingles Roof 1,800 4 $500- $1000 Deductible 2340 8 Vinyl siding No
1975 865,000 Metal Roof 2,380 3 $1000-$2500 Deductible 3010 7 Wood siding No
1944 465,000 Slate Shingles Roof 1,630 3 $1000-$2500 Deductible 1120 9 Fiber-Cement Siding yes
1962 505,000 Slate Shingles Roof 1,870 3 $1000-$2500 Deductible 1760 10 Wood siding No
1955 1,110,000 Wood Shake Roof 2,910 4 $1000-$2500 Deductible 370 1 Wood siding yes
1964 530,000 Tile Roof 1,860 5 $2500-$5000 Deductible 420 2 Brick siding yes
1965 1,115,000 Metal Roof 3,870 5 $500- $1000 Deductible 2020 5 Vinyl siding No
1946 1,245,000 Wood Shake Roof 4,110 5 $500 Deductible 3400 8 Stucco siding yes
1957 650,000 Composition Roof 2,300 3 $2500-$5000 Deductible 1480 8 Wood siding yes
1947 1,055,000 Membrane Roof 2,750 5 > $10,000 Deductible 1280 5 Fiber-Cement Siding yes
1971 765,000 Slate Shingles Roof 2,000 4 $5000 to $10,000 Deductible 1460 8 Stone Siding No
1969 515,000 Asphalt Shingles Roof 1,410 3 $5000 to $10,000 Deductible 300 2 Stone Siding yes
1970 645,000 Asphalt Shingles Roof 2,440 5 $1000-$2500 Deductible 2180 8 Stucco siding yes
1945 1,260,000 Slate Shingles Roof 3,360 4 $1000-$2500 Deductible 1660 6 Fiber-Cement Siding yes
1968 1,560,000 Wood Shake Roof 4,910 5 $500 Deductible 1320 3 Vinyl siding No
1970 1,285,000 Wood Shake Roof 4,270 5 $1000-$2500 Deductible 2940 8 Stone Siding No
1947 735,000 Membrane Roof 2,350 3 $500 Deductible 550 2 Stucco siding yes