Toms River, NJ homeowners insurance is nearly $721 to $979, about $60-$81/month. Our in depth guide indicates shoppers can save as much as $340 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Toms River, NJ | Homeowners Insurance Agency Near Toms River, NJ | Address |
|---|---|---|
| Travelers | Alpha Agency Llc | 89 ELMORA AVE, ELIZABETH, NJ, 7202 |
| Liberty Mutual Independent | Anderson Insurance Agency Inc | 295 Rt 72 East Manahawkin, Stafford Township, NJ, 8050 |
| Travelers | Del-Val Insurance Group Inc | 967A Street Rd Southampton, Lower Southampton Township, PA, 18966 |
| State Farm | Karen Mojka | 1910 Washington Vly Rd Ste 6, Martinsville, NJ, 08836-2026 |
| State Farm | Lauren Leo | 2124 Route 35 Ste 9, Holmdel, NJ, 07733-1068 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Leisure Village East CDP, New Jersey | $123 | $164 | $246 |
| Leisure Village CDP, New Jersey | $118 | $157 | $236 |
| Island Heights borough, New Jersey | $131 | $175 | $263 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Toms River, NJ | 3.2% | 9.6% |
| Leisure Village East | 4.76% | 9.0% |
| Leisure Village | 5.87% | 10.55% |
| Island Heights | 3.38% | 8.77% |
| Toms River Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 84 | 1.0% | $333 |
| $200 to $299 | 113 | 2.0% | $783 |
| $300 to $499 | 187 | 3.0% | $1233 |
| $500 to $749 | 240 | 4.0% | $1908 |
| $750 to $999 | 653 | 11.0% | $2658 |
| $1,000 to $1,499 | 2,519 | 44.0% | $3783 |
| $1,500 or more | 1,853 | 32.0% | $5433 |
| Streets in Toms River Area | Homeowners Insurance Cost |
|---|---|
| Russell St, Tilton St, Gulf Stream Way, Salem Dr, Shelly St, Yorktowne Blvd, Petunia Way, Berkshire Ct, Messenger St, Hightstown Ln | $867 |
| Pine Grove Ave, Tinsmith Ct, Woodfern Ct, Walchest Dr, Rue Ln, Avrum Dr, Pennsylvania Ave E, Hollywood Ave, W Marlin Way, Mount Ararat Ln | $833 |
| Silverwood Ct, Roundtree Dr, Matso Dr, Haifa Ct, Island View Dr, Murray Ln, Donegal Ct, San Juan Dr, Bridge St, Liberty Bell Rd | $862 |
| Osborn Ter, Shady Nook Dr, Tamiani Dr, Hines Ct, W Cypress Rd, Heatherleaf Ln, Lake Ridge Blvd, Feathertree Dr, Harbor Ct, Riviera Ave | $910 |
| Fern St, Cox Cro Rd, Tyler Dr, Garden St, Caudina Ave, Pontiac Ct, Canton Dr, Sturgis Rd, E Barnegat Way, Sica Ln | $852 |
| Periwinkle Ln, Malibu Rd, Flagstone Ct, Steeplechase Ct, W Briar Ave, Sunflower Ln, E Lisbon Ave, Bent Trl, Daffodil Ct, Serrata Way | $869 |
| Harley Rd, Cardinal Dr, Red Oak Ct, Samantha Way, Drexel Ct, Hawser Pl, Ross St, Fielders Ln, Pioneer Dr, Railway Ave W | $843 |
| Helen St, Tara Ct, Vanada Dr, Bullard Dr, Gull Ln, Genes Dr, Pine Crest Dr, Boxwood Ter, Royal Oaks Dr, Poplar Pl | $865 |
| Bergen Ave, Summit Ave, Holly Hill Dr, Tunesbrook Dr, Courtney Ct, Bow Rd, Crystal Mile Ct, Avon Ct, Anchorage Dr, Monterey Cir | $864 |
| 10th Bayway, Muskflower Ct, Verdant Rd, Cedar Stream Ct, Mohawk Dr, Knightsbridge Close, Mizzen Rd, Quimby Ct, Massachusetts Ave, Peddie St | $846 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Toms River | $127 to $129 |
| Leisure Village East | $123 |
| Leisure Village | $118 |
| Island Heights | $131 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $3,900 |
| Yearly Toms River Homeowner Insurance Premium Example | $1,800 | $1,300 |
| Out of Pocket Expense During Claim | $1,900 | $3,900 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $14,500 | $13,000 |
| Net Savings to Toms River Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Toms River, NJ Home Replacement Value MORE than Home Value | Toms River, NJ Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $411,000 | $269,500 |
| Insurance Premium based on Replacement Value | $2,300 | $1,500 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $76,000 | Risk Exposure from Under Insuring Coverage is $65,500 |
| Premium Impact | Insurance cheaper by $375/year | Insurance costlier by $425/year |
| Insurance Company | Allstate | State Farm | GEICO Insurance |
| Monthly Premium | 86 | 175 | 136 |
| Year Built | 1974 | 1965 | 1998 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $200000-$250000 | $500000-$600000 | $300000-$350000 |
| Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible | $500- $1000 Deductible |