Wayne Insurance Rates:

Wayne, NJ homeowners insurance is roughly $765 to $1,041, about $63-$86/month. Our exhaustive research indicates shoppers can save upto $361 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

New Jersey Manufacturers Insurance Company
The deductible on my homeowners is similar to most insurance companies but they offer more coverage of your belongings or replacement costs for your assets in the event of a lost or theft.
State Farm
my home insurance company's customer service has been pretty good. Anytime i call with an issue they always show friendliness and kindness towards me. At this point in time i Would rate it a 4.
Allstate
I have to pay extra for things and there are a lot of fees added on every month so the price isn't that great.
State Farm
i am very happy with state farm insurance, and there are so many offices where i live, that i actually have one right across the street and one down the street a couple blocks.
Nationwide
The customer service is always spot on. i have an insurance agent who i primarily work with but if i am not able to contact him, i can reach the general phone line and be speaking to someone within 1 minute usually.|
State Farm
I like that I can get results and financial information whenever I ask for it
Prudential
I have no complaints at all about this company. I have had nothing but good experiences with them
Allstate
I have never filed a claim but when I got married and needed my name changed on my policies and my husband added there was a lot of confusion and it took quite a while to get our policies combined.
State Farm
I already recommend State Farm to family and friends because of the timely manner they handle claims. Also their local agents offer great customer service.
Allstate
I would recommend All State because they really are a customer focused company who are attentive, focused, and knowledgeable. They handle any and all requests in a very timely manner.

Wayne, NJ Homeowners Insurance By Home Value

Wayne, NJ Home Value Total Homes % of Total Average Wayne, NJ Homeowners Insurance
Less than $50,000 256 5.0% $45
$100,000 to $124,999 58 1.0% $198
$150,000 to $174,999 138 3.0% $297
$175,000 to $199,999 74 1.0% $352
$200,000 to $249,999 656 14.0% $424
$250,000 to $299,999 468 10.0% $514
$300,000 to $399,999 2,782 61.0% $659

Top Home Insurance Agents Near Wayne, NJ

Home Insurance Company Near Wayne, NJ Homeowners Insurance Agency Near Wayne, NJ Address
Travelers Howe Insurance Group 84 PARK AVE, FLEMINGTON, NJ, 8822
State Farm J.R. Orenstein 45 S Mid Neck Rd, Great Neck, NY, 11021-3455
State Farm John Buck Kerlin Clu, Lutcf, Chfc 134 Nassau Street, Princeton, NJ, 08542-7014
Allstate Patrick Finnegan 8217 153rd Ave, Howard Beach, NY, 11414
Allstate Suzanne Saramak 666 Old Country Rd Ste 507, Garden City, NY, 11530

Wayne, NJ Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Wayne, NJ

Streets in Wayne Area Homeowners Insurance Cost
Lamoureux Ln, Indian Rd, Alpine Dr, Lauren Ct, Gates Pl, Harwood Pl, Benwell Ave, Linden Ln, Main Rd, Verkade Dr$901
Cole St, Mead St, Wailing Dr, Crane Ter, Diaz Ct, Kime Ave, Mack St, 5th St, Skyview Rd, Sharon Ln$884
Irene Pl, Borzotta Blvd, Salem Rd, Cheyenne Way, Laytham Dr, Lafayette Ct, Butternut Dr, Haddon Rd, Aberdeen Ave, Kennedy Ct$900
Angell St, Hillcrest Dr, Langdale Rd, Fayette Ave, Mayfair Dr, Cadmus Pl, Bourbon St, Rolling Hills Dr, Demarest Dr, Berdan Ave$922
Varick St, Manchester Ct, Cyanamid Dr, Cherrywood Dr, Oakley Way, Gressinger Rd, Reed Ct, Moro Ter, Passaic County 705, Spring Hill Cir$896

Wayne, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wayne$135 to $137
Haledon$127
Totowa$130
Pequannock$132

Wayne, 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
Haledon borough, New Jersey $107 $142 $213
Totowa borough, New Jersey $109 $145 $218
Pequannock township, Morris County, New Jersey $111 $147 $221

Wayne, 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
Wayne, NJ2.4%7.5%
Haledon2.83%7.1%
Totowa2.82%7.77%
Pequannock2.77%8.57%

Wayne Renters Insurance as a Percentage of Rent

Wayne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 43 1.0% $759
$500 to $749 246 7.0% $1884
$750 to $999 407 11.0% $2634
$1,000 to $1,499 1,253 36.0% $3759
$1,500 or more 1,401 41.0% $5409

Wayne, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Wayne Homeowner Insurance Premium Example $2,100$1,600
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,300$13,800
Net Savings to Wayne Home Owner from High Deductible Plan $1,500

Wayne, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Wayne, NJ Home Replacement Value MORE than Home Value Wayne, NJ Home Replacement Value LESS than Home Value
Replacement Value $579,500 $361,500
Insurance Premium based on Replacement Value $2,725 $1,700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $134,000 Risk Exposure from Under Insuring Coverage is $84,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $625/year

Example Wayne Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 240354106
Year Built 197620001995
Home Details 4 Beds, 1 Baths5 Beds, 4 Baths2 Beds, 1 Baths
Coverage Amount $600000-$700000$800000-$900000$400000-$500000
Deductible $1000-$2500 Deductible$500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 230,000 Tile Roof 1,090 2 $500 Deductible 530 7 Stucco siding yes
1967 455,000 Asphalt Shingles Roof 1,870 4 $5000 to $10,000 Deductible 360 2 Brick siding yes
1985 410,000 Composition Roof 1,670 2 $2500-$5000 Deductible 560 5 Stucco siding yes
1986 300,000 Shingles Roof 1,450 2 $5000 to $10,000 Deductible 680 12 Wood siding No
1981 440,000 Metal Roof 1,820 4 $500 Deductible 1200 7 Stucco siding yes
1974 375,000 Slate Shingles Roof 1,490 2 $1000-$2500 Deductible 770 7 Stucco siding yes
1963 680,000 Tile Roof 3,230 5 $500 Deductible 2810 10 Wood siding yes
1993 430,000 Asphalt Shingles Roof 2,170 4 $5000 to $10,000 Deductible 130 1 Wood siding yes
1964 210,000 Shingles Roof 930 2 $500 Deductible 850 10 Stone Siding No
1978 715,000 Membrane Roof 3,200 5 $500 Deductible 1100 3 Stucco siding yes
1970 195,000 Asphalt Shingles Roof 1,010 2 $500- $1000 Deductible 210 3 Fiber-Cement Siding yes
2000 385,000 Membrane Roof 1,560 3 $2500-$5000 Deductible 1220 12 Stone Siding yes
2000 280,000 Slate Shingles Roof 1,470 3 > $10,000 Deductible 490 7 Vinyl siding yes
1971 330,000 Asphalt Shingles Roof 1,420 3 > $10,000 Deductible 130 2 Wood siding No
2000 745,000 Composition Roof 3,120 4 > $10,000 Deductible 1920 10 Stucco siding yes
2008 305,000 Slate Shingles Roof 1,610 2 $500 Deductible 1390 12 Fiber-Cement Siding yes
1987 565,000 Shingles Roof 2,220 3 $5000 to $10,000 Deductible 1120 10 Stucco siding No
2008 410,000 Slate Shingles Roof 1,970 5 $1000-$2500 Deductible 350 3 Fiber-Cement Siding No
2008 845,000 Metal Roof 3,250 4 $500 Deductible 2320 7 Brick siding yes
1989 885,000 Metal Roof 4,570 5 $5000 to $10,000 Deductible 240 1 Vinyl siding No
1964 385,000 Wood Shake Roof 1,660 4 $1000-$2500 Deductible 1730 12 Brick siding yes
1993 640,000 Asphalt Shingles Roof 2,580 4 $5000 to $10,000 Deductible 1330 10 Stucco siding No
1978 680,000 Shingles Roof 3,150 5 $2500-$5000 Deductible 2680 12 Wood siding No
1962 400,000 Tile Roof 1,660 4 $2500-$5000 Deductible 110 1 Stone Siding No
2006 260,000 Tile Roof 970 2 $500 Deductible 860 7 Wood siding No
1964 710,000 Tile Roof 2,770 5 > $10,000 Deductible 1250 7 Vinyl siding No
2002 640,000 Membrane Roof 3,430 5 $500 Deductible 1460 5 Stucco siding No
2001 505,000 Slate Shingles Roof 2,330 3 $1000-$2500 Deductible 640 3 Stucco siding No
1988 450,000 Slate Shingles Roof 2,150 4 $500- $1000 Deductible 530 3 Wood siding yes
1961 450,000 Wood Shake Roof 1,880 5 > $10,000 Deductible 740 6 Wood siding yes
1996 480,000 Shingles Roof 2,190 5 $1000-$2500 Deductible 2230 12 Wood siding yes
1983 515,000 Shingles Roof 1,970 3 $1000-$2500 Deductible 620 3 Brick siding yes
1984 430,000 Asphalt Shingles Roof 2,250 4 $1000-$2500 Deductible 1360 9 Brick siding yes
1970 1,130,000 Asphalt Shingles Roof 4,670 5 $2500-$5000 Deductible 1540 6 Brick siding No

How To Make Your Wayne, NJ Home Insurance Cheaper

How Much Does Wayne, NJ Home Insurance Cost?