Scotch Plains Insurance Rates:

Scotch Plains, NJ homeowners insurance is approximately $765 to $1,043, about $63-$86/month. Our exhaustive research reveals consumers can save upto $361 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Nationwide
I enjoy the advertisements a lot, they make me very happy. i feel that the jingle helps create a more personable environment.
Allstate
I feel like the branch of the large company i get my insurance through is not very important to them, or is not considered a high status branch to work for.
Nationwide
Overall, i would suggest it to my friends but i would also tell them to look around and make sure it seems like the best deal to them
State Farm
They keep us well informed when we need to be by sending us the proper policy information. All of the billing is done through our mortgage company. We did have an issue our first year where there was a miscommunication between the mortgage company and the insurance company in getting the premium paid, but my husband made one phone call and it was taken care of immediately.
State Farm
I feel like they are comparable to other companies and I'm not sure if they stand out or not. They work for me
Travelers
I think our premium might be a little high. We stay with state farm because the people are very helpful and all of their online sites (websites, chat, mobile app) are great. They have been a good company for our family for many years.
New Jersey Manufacturers Insurance Company
They were completely straight forward with me when I called about getting a quote and switching to them. They went over all my options, and even told me why going with a higher level program was not necessary for my situation. I was also able to receive a discount from them since I had my car insurance with them.
Allstate
The website is great. The mobile app is "broken" and supposedly they are fixing it but it's been over a month. So, for the mobile app I give them 1 star; the website 4 stars because it's pretty good but could be better.

Scotch Plains, NJ Homeowners Insurance By Home Value

Scotch Plains, NJ Home Value Total Homes % of Total Average Scotch Plains, NJ Homeowners Insurance
Less than $50,000 94 4.0% $45
$150,000 to $174,999 29 1.0% $298
$200,000 to $249,999 202 9.0% $415
$250,000 to $299,999 322 14.0% $515
$300,000 to $399,999 1,513 68.0% $650

Top Home Insurance Agents Near Scotch Plains, NJ

Home Insurance Company Near Scotch Plains, NJ Homeowners Insurance Agency Near Scotch Plains, NJ Address
NA Insurance Solutions Concept Inc 77 Makefield Rd Morrisville, Falls Township, PA, 19067
NA Onyx Insurance Services, Llc 7 Old Knollwood Rd , White Plains, NY, 10607
Travelers Campanile Victor A Brokerage Inc 2125 UTICA AVENUE, BROOKLYN, NY, 11234
Allstate Denis Siple 135 Birch Hill Rd, Locust Valley, NY, 11560
Allstate Donald Inserra 11 S Passaic Ave, Chatham, NJ, 7928

Cost Of Homeowners Insurance By Street Near Scotch Plains, NJ

Streets in Scotch Plains Area Homeowners Insurance Cost
Clinton Ln, Graymill Dr, Waverly Pl, Cook Ave, Algonquin Dr, Meadowview Rd, Pine Grove Cir, Hill Rd, W Broad St, Farley Ave$918
New York Ave, Farview Dr, Robin Ln, Church Ave, Round Hill Rd, King James Ct, Hunter Ave, Buttonwood Ln, Roberts Ln, Throwbridge Dr$875
Clydesdale Rd, Gamble Rd, Coles Ave, Greensview Dr, Evergreen Blvd, Huron Path, Autumn Dr, Crestwood Rd E, Gales Ct, Judy Ln$969
Wedgewood Way, Traveller Way, Warren St, Parkwood Dr, Inverness Dr, Gallagher Ave, Alton Way, Meadowlark Ln, Ternay Ave, Crest Ln$930
Grenville Rd, Watchung Ter, Stocker Ln, Johnson St, Burnham Ct, Rahway Rd, Weaver St, Rivervale Ct, Sylvan Ln, Copperfield Rd$922

Scotch Plains, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Scotch Plains$134 to $136
Fanwood$132
Westfield$143
Plainfield$126

Scotch Plains, 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
Fanwood borough, New Jersey $111 $147 $221
Westfield town, New Jersey $119 $159 $238
Plainfield city, New Jersey $105 $140 $210

Scotch Plains, 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
Scotch Plains, NJ2.4%7.5%
Fanwood2.49%7.36%
Westfield2.15%7.95%
Plainfield2.86%7.01%

Scotch Plains Renters Insurance as a Percentage of Rent

Scotch Plains Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 55 3.0% $1884
$750 to $999 30 2.0% $2634
$1,000 to $1,499 753 50.0% $3759
$1,500 or more 642 43.0% $5409

Scotch Plains, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$3,900
Yearly Scotch Plains Homeowner Insurance Premium Example $3,000$2,500
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $16,900$16,400
Net Savings to Scotch Plains Home Owner from High Deductible Plan $500

Scotch Plains, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Scotch Plains, NJ Home Replacement Value MORE than Home Value Scotch Plains, NJ Home Replacement Value LESS than Home Value
Replacement Value $466,000 $328,000
Insurance Premium based on Replacement Value $2,275 $1,600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $67,000 Risk Exposure from Under Insuring Coverage is $71,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $325/year

Example Scotch Plains Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmFarmers Insurance
Monthly Premium 300180127
Year Built 196419551977
Home Details 5 Beds, 1 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount More than 10000000$400000-$500000$300000-$350000
Deductible $2500-$5000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 555,000 Composition Roof 2,950 5 $5000 to $10,000 Deductible 1390 8 Stone Siding yes
2007 870,000 Slate Shingles Roof 4,670 5 $500 Deductible 2470 6 Wood siding yes
1975 485,000 Metal Roof 1,880 3 > $10,000 Deductible 590 7 Wood siding yes
1980 340,000 Metal Roof 1,400 3 > $10,000 Deductible 630 10 Vinyl siding No
1988 205,000 Metal Roof 990 2 $500- $1000 Deductible 630 7 Stucco siding No
1995 420,000 Composition Roof 1,970 4 $1000-$2500 Deductible 1290 9 Fiber-Cement Siding No
1988 1,055,000 Membrane Roof 4,880 5 $2500-$5000 Deductible 2140 8 Stucco siding yes
1946 275,000 Metal Roof 1,460 3 $1000-$2500 Deductible 1010 12 Wood siding No
1955 700,000 Wood Shake Roof 2,530 4 $5000 to $10,000 Deductible 350 2 Fiber-Cement Siding No
1998 445,000 Asphalt Shingles Roof 1,870 3 $1000-$2500 Deductible 1260 10 Stucco siding yes
1976 595,000 Membrane Roof 2,170 4 $500- $1000 Deductible 1150 4 Stone Siding No
2008 430,000 Slate Shingles Roof 1,590 2 $2500-$5000 Deductible 1010 5 Stucco siding yes
1973 310,000 Metal Roof 1,350 2 $5000 to $10,000 Deductible 260 4 Stone Siding No
1954 200,000 Membrane Roof 960 2 $2500-$5000 Deductible 820 10 Wood siding yes
1952 875,000 Wood Shake Roof 3,360 4 $500- $1000 Deductible 650 2 Vinyl siding yes
1999 510,000 Wood Shake Roof 2,230 3 $500- $1000 Deductible 1040 7 Wood siding No
1969 620,000 Wood Shake Roof 3,090 5 $5000 to $10,000 Deductible 1880 9 Stone Siding yes
2000 450,000 Membrane Roof 1,850 3 $1000-$2500 Deductible 1010 7 Fiber-Cement Siding yes
1940 910,000 Asphalt Shingles Roof 4,560 5 $5000 to $10,000 Deductible 640 4 Brick siding No
1989 590,000 Slate Shingles Roof 2,200 5 $1000-$2500 Deductible 1100 6 Wood siding No
1969 450,000 Shingles Roof 2,340 4 $500- $1000 Deductible 1170 7 Fiber-Cement Siding No
1942 455,000 Tile Roof 1,710 2 $5000 to $10,000 Deductible 350 3 Vinyl siding yes
1946 325,000 Asphalt Shingles Roof 1,400 2 > $10,000 Deductible 340 4 Wood siding No
2007 595,000 Metal Roof 2,360 4 > $10,000 Deductible 980 9 Vinyl siding No
1944 620,000 Asphalt Shingles Roof 2,830 4 $1000-$2500 Deductible 1460 7 Brick siding No
1949 680,000 Asphalt Shingles Roof 2,780 5 $2500-$5000 Deductible 1510 8 Brick siding No
2005 335,000 Membrane Roof 1,380 3 > $10,000 Deductible 910 12 Brick siding No
1943 250,000 Shingles Roof 1,280 3 $5000 to $10,000 Deductible 300 6 Fiber-Cement Siding No
1966 325,000 Shingles Roof 1,690 2 $1000-$2500 Deductible 780 5 Fiber-Cement Siding No
1979 265,000 Tile Roof 1,320 2 $1000-$2500 Deductible 240 2 Vinyl siding yes
1979 355,000 Slate Shingles Roof 1,350 3 $500 Deductible 310 2 Stucco siding No
1981 340,000 Metal Roof 1,430 2 $500 Deductible 1120 10 Fiber-Cement Siding yes