Union City Insurance Rates:

Union City, NJ homeowners insurance is approximately $725 to $989, about $60-$82/month. Our complete analysis reveals consumers can save upto $342 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Nationwide
We are satisfied with the service and policy provided by the agency.We haven't needed to file a claim. At this point, I would recommend them to someone else.
Metlife
customer effort score is recorded on a numeric scale, so a higher score would represent a better user experience.Positive customer effort scores indicate your product or service is user-friendly and well designed
State Farm
5- They had the best rates for what I was looking for. A lot of other places wanted to charge us more but not state farm.
Allstate
premium and deductible of your policy compared to the other home insurance policies for the same coverage
Allstate
My insurance company is very cheap which helps me keep my budget and not become overloaded with debt from bills.
Allstate
They are very continently located to our house with a local office down the street. and the main office is always available if the local office is closed
Travelers
They are always available to talk about my car or house insurance claims no matter the time of day or night.
Allstate
The premium isn't bad, it's acceptable for our coverage. Some other insurance companies we looked at were more costly, some were slightly cheaper.
Aaa
Other than a monthly statement I do not have very much communication with them. I do wish they would let me know when I could be saving. So more interaction would be better.
State Farm
This company provides insurance specifically for tiny homes, differentiating it from other companies who, at the moment, do not provide coverage for homes like mine, or provide coverage with insanely high premiums.
State Farm
I have been using State Farm for many years. Great rates and friendly employees. Never any problems with State Farm.
Allstate
I think they charge about the same as others
New Jersey Manufacturers Insurance Company
We have actually needed to use it twice and they were fantastic both times.They were very helpful, generous and overall a pleasure to work with.
Liberty Mutual
When our barn fell, Liberty Mutual covered it under home owners insurance, thought they lowballed us on the amount, So I will give them a 3

Union City, NJ Homeowners Insurance By Home Value

Union City, NJ Home Value Total Homes % of Total Average Union City, NJ Homeowners Insurance
Less than $50,000 64 2.0% $59
$100,000 to $124,999 59 1.0% $282
$125,000 to $149,999 59 1.0% $351
$150,000 to $174,999 250 8.0% $419
$175,000 to $199,999 96 3.0% $488
$200,000 to $249,999 649 21.0% $582
$250,000 to $299,999 658 21.0% $719
$300,000 to $399,999 1,173 38.0% $908

Top Home Insurance Agents Near Union City, NJ

Home Insurance Company Near Union City, NJ Homeowners Insurance Agency Near Union City, NJ Address
State Farm Chris Sules 780 Northfield Avenue, West Orange, NJ, 7052
Allstate Emad Soliman 844 Bergen Ave, Jersey City, NJ, 7306
Farmers Farah Petion 261 Greenwich Ave, Goshen, NY, 10924
Travelers National Business Brokers Inc 15 Park Cir Ste 202 , Centerport, NY, 11721
Liberty Mutual Robert Ansalone Jr. 2 Jericho Plaza, Jericho, NY, 11753

Union City, NJ Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Union City, NJ

Streets in Union City Area Homeowners Insurance Cost
Henry St, 30th St, Tournade Ln, Kerrigan Ave, Co Rd 672, 33rd St, 38th St, 31st St, 42nd St, 30th St$877
22nd St, 34th St, 33rd St, 23rd St, Co Rd 680, Harrison Pl, 13th Ave, Co Rd 680, Adam Pl, Brown St$812
Union Ter, 20th St, 28th St, Montgomery Ln, Tournade Pl, 36th St, Roosevelt St, Co Rd 683, Monastery Pl, 31st St$889
Pleasant Ave, Co Rd 680, Cantello St, 29th St, 39th St, 39th St, 29th St, 24th St, 40th St, 35th St$867
Sip St, 42nd St, 25th St, 22nd St, 24th St, Co Rd 683, Jeannette St, Cottage Pl, 34th St, 25th St$849

Union City, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Union City$127 to $129
Weehawken$136
Hoboken$139
West New York$129

Union City, 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
Weehawken township, Hudson County, New Jersey $114 $151 $227
Hoboken city, New Jersey $116 $155 $232
West New York town, New Jersey $108 $143 $215

Union City, 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
Union City, NJ2.7%7.1%
Weehawken2.6%7.58%
Hoboken2.35%7.73%
West New York2.55%7.18%

Union City Renters Insurance as a Percentage of Rent

Union City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 418 2.0% $780
$300 to $499 714 3.0% $1230
$500 to $749 2,689 14.0% $1905
$750 to $999 4,652 25.0% $2655
$1,000 to $1,499 7,198 39.0% $3780
$1,500 or more 2,412 13.0% $5430

Union City, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$2,400
Yearly Union City Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,600$8,000
Net Savings to Union City Home Owner from High Deductible Plan $600

Union City, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Union City, NJ Home Replacement Value MORE than Home Value Union City, NJ Home Replacement Value LESS than Home Value
Replacement Value $413,000 $261,500
Insurance Premium based on Replacement Value $2,150 $1,350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $82,500 Risk Exposure from Under Insuring Coverage is $69,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $450/year

Example Union City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersGEICO InsuranceAllstate
Monthly Premium 10215585
Year Built 195619411979
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $300000-$350000$350000-$400000$400000-$500000
Deductible $500- $1000 Deductible$500- $1000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 410,000 Slate Shingles Roof 2,600 4 $2500-$5000 Deductible 950 8 Wood siding yes
1973 250,000 Asphalt Shingles Roof 1,700 3 $1000-$2500 Deductible 740 7 Brick siding No
1963 295,000 Composition Roof 1,800 3 $1000-$2500 Deductible 570 7 Wood siding No
2012 355,000 Wood Shake Roof 2,220 3 $500 Deductible 1310 9 Stone Siding yes
1952 205,000 Wood Shake Roof 1,420 3 $500 Deductible 300 4 Stucco siding No
1944 230,000 Asphalt Shingles Roof 1,480 2 $500 Deductible 840 9 Stone Siding No
1950 435,000 Shingles Roof 2,190 4 > $10,000 Deductible 740 7 Stucco siding No
2014 245,000 Shingles Roof 1,760 2 $2500-$5000 Deductible 590 7 Stucco siding yes
1964 325,000 Shingles Roof 1,640 4 $500- $1000 Deductible 500 4 Fiber-Cement Siding No
1948 445,000 Composition Roof 2,610 4 $5000 to $10,000 Deductible 1240 12 Stucco siding yes
2011 370,000 Metal Roof 1,990 3 $2500-$5000 Deductible 850 7 Wood siding No
1946 655,000 Membrane Roof 3,270 4 $500 Deductible 2050 7 Stone Siding No
1941 440,000 Composition Roof 2,420 4 > $10,000 Deductible 740 7 Brick siding yes
1987 300,000 Membrane Roof 2,230 3 $500 Deductible 1020 8 Stone Siding yes
1987 405,000 Slate Shingles Roof 2,170 4 $5000 to $10,000 Deductible 400 4 Stone Siding yes
1984 185,000 Shingles Roof 1,210 3 $500 Deductible 790 12 Fiber-Cement Siding No
1943 365,000 Wood Shake Roof 2,240 4 $5000 to $10,000 Deductible 100 1 Wood siding yes
1940 220,000 Slate Shingles Roof 1,120 2 $2500-$5000 Deductible 390 7 Stucco siding yes
1982 150,000 Shingles Roof 940 2 $500- $1000 Deductible 520 7 Brick siding yes
2011 180,000 Shingles Roof 1,300 2 $2500-$5000 Deductible 370 7 Brick siding No
1948 270,000 Wood Shake Roof 1,940 3 $1000-$2500 Deductible 90 1 Stone Siding yes
1943 480,000 Composition Roof 2,610 4 $500 Deductible 670 4 Vinyl siding yes
1962 505,000 Slate Shingles Roof 2,680 4 > $10,000 Deductible 1070 12 Brick siding No
2011 300,000 Wood Shake Roof 1,590 3 $500 Deductible 1170 8 Vinyl siding yes
1962 355,000 Composition Roof 2,140 3 > $10,000 Deductible 120 2 Fiber-Cement Siding yes
1965 195,000 Tile Roof 1,410 3 $5000 to $10,000 Deductible 410 7 Brick siding No
2011 375,000 Wood Shake Roof 2,030 3 $500- $1000 Deductible 1840 9 Stone Siding yes
1980 285,000 Wood Shake Roof 1,710 2 $5000 to $10,000 Deductible 70 1 Wood siding No
1984 425,000 Metal Roof 2,200 3 $500- $1000 Deductible 1140 6 Stone Siding No
1982 255,000 Shingles Roof 1,400 2 $1000-$2500 Deductible 760 9 Wood siding No
2014 195,000 Wood Shake Roof 1,270 2 $1000-$2500 Deductible 500 8 Stucco siding No
1959 425,000 Wood Shake Roof 2,650 4 > $10,000 Deductible 260 3 Stone Siding No
1970 340,000 Slate Shingles Roof 2,020 3 > $10,000 Deductible 570 8 Fiber-Cement Siding yes
1968 315,000 Composition Roof 1,720 2 > $10,000 Deductible 850 12 Stone Siding yes

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