West Caldwell Insurance Rates:

West Caldwell, NJ homeowners insurance is nearly $762 to $1,040, about $63-$86/month. Our comprehensive analysis shows customers can save upto $360 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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West Caldwell, NJ Homeowners Insurance By Home Value

West Caldwell, NJ Home Value Total Homes % of Total Average West Caldwell, NJ Homeowners Insurance
Less than $50,000 27 2.0% $45
$125,000 to $149,999 18 1.0% $261
$175,000 to $199,999 29 2.0% $351
$200,000 to $249,999 38 3.0% $423
$250,000 to $299,999 40 3.0% $522
$300,000 to $399,999 901 84.0% $657

Top Home Insurance Agents Near West Caldwell, NJ

Home Insurance Company Near West Caldwell, NJ Homeowners Insurance Agency Near West Caldwell, NJ Address
NA All About Insurance, Inc. 1820 Route 33, Ste 11 Neptune, Neptune Township, NJ, 7753
NA Muller Insurance 930 Washington Street, Hoboken, NJ, 7030
NA Starway Agency Inc 334 E 92Nd St Apt 1C New York, NYC, NY, 10128
Liberty Mutual Independent Henry O Baker Inc 7 S WARREN ST, DOVER, NJ, 7801
Liberty Mutual Independent Szerlip & Co Inc 288 MAIN ST, MILLBURN, NJ, 7041

Cost Of Homeowners Insurance By Street Near West Caldwell, NJ

Streets in West Caldwell Area Homeowners Insurance Cost
Oakland Ave, Lee Dr, Dodd Rd, Francine Ave, Bond Pl, Woodrow Pl, Dillon Rd, Walden Pl, Van Ness Pl, Evergreen Rd$926
Dana Pl, Kirkpatrick Ln, Crane Ave, Kramer Ave, Westover Ave, Woodmere Rd, Ellis Pl, Fairmount Rd, Sylvan Way, Piermont Pl$900
Decamp Ct, Tempesta Ter, Westville Ave, Lougheed Ave, Memorial Rd, Dana Rd, Holiday Dr, Aldom Cir, Martin Rd, Kanouse Pl$904
Lombard Dr, Ridge Ter, Fairfield Cres, Springdale Rd, Gymoty Rd, Sunnie Ter, McKinley Ave, Rosemere Ave, Mount Herman Way, Liddy Pl$893
Highland Dr, Dodge Dr, Francisco Ave, Richard Ave, Nutting Pl, Twin Brook Rd, Rubino Rd, Holiday Dr, Fairfield Pl, Runnymede Rd$902

West Caldwell, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
West Caldwell$134 to $137
Caldwell$135
Essex Fells$152
Roseland$138

West Caldwell, 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
Caldwell borough, New Jersey $135 $180 $270
Essex Fells borough, New Jersey $152 $202 $303
Roseland borough, New Jersey $138 $184 $276

West Caldwell, 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
West Caldwell, NJ2.6%7.5%
Caldwell2.53%7.53%
Essex Fells2.11%8.44%
Roseland2.61%7.66%

West Caldwell Renters Insurance as a Percentage of Rent

West Caldwell Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 9 1.0% $1885
$1,000 to $1,499 182 39.0% $3760
$1,500 or more 269 58.0% $5410

West Caldwell, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$4,300
Yearly West Caldwell Homeowner Insurance Premium Example $3,200$2,700
Out of Pocket Expense During Claim$1,300$4,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $26,900$25,900
Net Savings to West Caldwell Home Owner from High Deductible Plan $1,000

West Caldwell, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario West Caldwell, NJ Home Replacement Value MORE than Home Value West Caldwell, NJ Home Replacement Value LESS than Home Value
Replacement Value $682,000 $456,500
Insurance Premium based on Replacement Value $3,550 $2,375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $80,500 Risk Exposure from Under Insuring Coverage is $145,000
Premium Impact Insurance cheaper by $750/year Insurance costlier by $425/year

Example West Caldwell Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmAmica Mutual Insurance Company
Monthly Premium 147162115
Year Built 196219441977
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $500000-$600000$600000-$700000$400000-$500000
Deductible $2500-$5000 Deductible> $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1959 365,000 Tile Roof 1,940 4 $500- $1000 Deductible 170 1 Stucco siding No
1976 580,000 Slate Shingles Roof 2,820 5 $2500-$5000 Deductible 1350 9 Stone Siding No
1956 405,000 Wood Shake Roof 1,940 4 > $10,000 Deductible 1080 12 Stucco siding yes
1979 770,000 Tile Roof 3,260 5 > $10,000 Deductible 160 1 Fiber-Cement Siding No
1942 705,000 Composition Roof 2,810 4 $1000-$2500 Deductible 2100 8 Vinyl siding yes
1966 315,000 Wood Shake Roof 1,450 3 > $10,000 Deductible 1000 12 Wood siding yes
1951 465,000 Composition Roof 1,930 4 $500 Deductible 680 3 Brick siding No
1954 390,000 Metal Roof 1,780 3 > $10,000 Deductible 180 2 Fiber-Cement Siding yes
1965 315,000 Tile Roof 1,660 5 $500 Deductible 540 5 Wood siding No
1979 445,000 Slate Shingles Roof 2,030 3 $5000 to $10,000 Deductible 1300 12 Wood siding yes
1959 425,000 Shingles Roof 2,070 4 > $10,000 Deductible 560 9 Stone Siding yes
1947 475,000 Wood Shake Roof 1,760 4 $5000 to $10,000 Deductible 880 5 Wood siding No
1956 390,000 Slate Shingles Roof 2,000 4 $500 Deductible 450 4 Stucco siding No
1960 305,000 Shingles Roof 1,210 3 $500 Deductible 780 7 Fiber-Cement Siding yes
1979 570,000 Composition Roof 2,400 3 $1000-$2500 Deductible 2340 12 Brick siding No
1966 645,000 Wood Shake Roof 2,670 5 $500 Deductible 3500 12 Stucco siding yes
1948 515,000 Shingles Roof 2,220 3 > $10,000 Deductible 130 1 Stone Siding yes
1947 440,000 Membrane Roof 1,660 4 $2500-$5000 Deductible 700 6 Brick siding No
1970 605,000 Wood Shake Roof 2,840 5 $500 Deductible 2240 12 Vinyl siding yes
1978 815,000 Metal Roof 3,130 5 > $10,000 Deductible 670 4 Stone Siding No
1964 765,000 Asphalt Shingles Roof 2,910 5 $500 Deductible 2860 9 Vinyl siding yes
1951 440,000 Tile Roof 1,610 4 $500 Deductible 1830 7 Stucco siding yes
1956 440,000 Wood Shake Roof 2,190 5 $500 Deductible 690 4 Vinyl siding yes
1972 425,000 Asphalt Shingles Roof 1,940 4 $2500-$5000 Deductible 270 2 Stone Siding No
1950 885,000 Wood Shake Roof 3,410 5 $500- $1000 Deductible 3920 12 Fiber-Cement Siding yes
1961 425,000 Wood Shake Roof 1,690 4 $500- $1000 Deductible 1270 8 Stucco siding yes
1948 595,000 Tile Roof 2,530 4 > $10,000 Deductible 1020 7 Stone Siding No
1949 615,000 Wood Shake Roof 3,160 4 > $10,000 Deductible 380 3 Stucco siding yes
1964 415,000 Composition Roof 1,900 5 $2500-$5000 Deductible 670 7 Stone Siding yes
1951 315,000 Asphalt Shingles Roof 1,260 3 $1000-$2500 Deductible 1460 12 Vinyl siding yes
1944 450,000 Slate Shingles Roof 1,850 3 $500 Deductible 1980 12 Brick siding No
1963 650,000 Slate Shingles Roof 2,870 4 $2500-$5000 Deductible 1340 9 Stucco siding yes
1964 475,000 Wood Shake Roof 2,190 3 $5000 to $10,000 Deductible 1040 9 Brick siding No
1970 765,000 Wood Shake Roof 3,390 4 $5000 to $10,000 Deductible 1190 7 Wood siding yes