Upper Saddle River Insurance Rates:

Upper Saddle River, NJ homeowners insurance is approximately $870 to $1,199, about $72-$99/month. Our thorough analysis indicates shoppers can save as much as $414 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Upper Saddle River, NJ Homeowners Insurance By Home Value

Upper Saddle River, NJ Home Value Total Homes % of Total Average Upper Saddle River, NJ Homeowners Insurance
$100,000 to $124,999 16 10.0% $124
$125,000 to $149,999 44 30.0% $155
$150,000 to $174,999 15 10.0% $175
$200,000 to $249,999 26 17.0% $248
$250,000 to $299,999 45 30.0% $310

Top Home Insurance Agents Near Upper Saddle River, NJ

Home Insurance Company Near Upper Saddle River, NJ Homeowners Insurance Agency Near Upper Saddle River, NJ Address
NA Consumers Coverage Corp 7512 Roosevelt Ave Jackson Heights, NYC, NY, 11372
Travelers Mark Lauria Assoc Of Nj Inc 267 BROAD ST, RED BANK, NJ, 7701
State Farm Richard Min 125 Washington Ave Ste 12, Dumont, NJ, 07628-3028
Allstate Salman Khan 7019 Fresh Pond Rd, Ridgewood, NY, 11385
Farmers Shea Dibley 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054

Upper Saddle River, 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
Ramsey borough, New Jersey $139 $185 $278
Airmont village, New York $99 $132 $198
Allendale borough, New Jersey $145 $193 $290

Upper Saddle River, 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
Upper Saddle River, NJ2.2%8.6%
Ramsey2.4%7.71%
Airmont1.65%5.51%
Allendale2.13%8.07%

Upper Saddle River Renters Insurance as a Percentage of Rent

Upper Saddle River Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$1,000 to $1,499 39 17.0% $3699
$1,500 or more 186 82.0% $5349

Upper Saddle River, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$3,700
Yearly Upper Saddle River Homeowner Insurance Premium Example $5,000$4,500
Out of Pocket Expense During Claim$1,700$3,700
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $26,700$26,200
Net Savings to Upper Saddle River Home Owner from High Deductible Plan $500

Upper Saddle River, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Upper Saddle River, NJ Home Replacement Value MORE than Home Value Upper Saddle River, NJ Home Replacement Value LESS than Home Value
Replacement Value $1,047,000 $664,500
Insurance Premium based on Replacement Value $6,275 $3,975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $246,000 Risk Exposure from Under Insuring Coverage is $136,500
Premium Impact Insurance cheaper by $800/year Insurance costlier by $1,500/year

Example Upper Saddle River Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceState FarmLiberty Mutual
Monthly Premium 379314250
Year Built 201419701989
Home Details 4 Beds, 2 Baths5 Beds, 4 Baths4 Beds, 2 Baths
Coverage Amount More than 10000000More than 10000000$700000-$800000
Deductible $500- $1000 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for Upper Saddle River, NJ from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 890,000 Membrane Roof 2,460 4 $1000-$2500 Deductible 680 3 Brick siding yes
1975 865,000 Shingles Roof 2,080 4 $5000 to $10,000 Deductible 2890 12 Stucco siding yes
1970 1,120,000 Metal Roof 3,210 4 $2500-$5000 Deductible 1670 5 Stucco siding yes
1981 800,000 Composition Roof 1,930 5 $1000-$2500 Deductible 1780 6 Brick siding No
1971 890,000 Slate Shingles Roof 1,810 4 $5000 to $10,000 Deductible 220 1 Stucco siding No
1979 880,000 Slate Shingles Roof 1,900 4 $1000-$2500 Deductible 2050 5 Brick siding No
1984 1,070,000 Shingles Roof 2,340 5 $5000 to $10,000 Deductible 1240 4 Wood siding No
1987 1,020,000 Shingles Roof 2,540 4 $2500-$5000 Deductible 1460 5 Stone Siding yes
2011 2,125,000 Membrane Roof 4,660 5 $5000 to $10,000 Deductible 540 2 Stucco siding No
1968 2,125,000 Slate Shingles Roof 4,570 5 $500- $1000 Deductible 1240 4 Fiber-Cement Siding No
1970 825,000 Membrane Roof 1,970 4 $1000-$2500 Deductible 1970 6 Stone Siding No
2010 1,410,000 Composition Roof 4,030 5 $1000-$2500 Deductible 2520 9 Vinyl siding No
1989 1,020,000 Shingles Roof 2,950 4 $2500-$5000 Deductible 2740 10 Vinyl siding yes