West Milford Insurance Rates:

West Milford, NJ homeowners insurance is about $726 to $985, about $60-$82/month. Our all inclusive research indicates shoppers can save as much as $342 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
State farm assigns you an agent. that agent is only good for automotive claims and life insurance claims. he doesn't handle home owner claims at all which i find odd.
State Farm
I do save some money using my state farm and my agent gives me discounts on my policies as i have other policies with them.
Esurance
I like esurance because they know our time is valuable and they do not call every month and want to talk for long lengths like other insurance companies have in the past. they also were able to tell me exactly what i need without trying to add extra coverage.
Progressive
They don't call me but they will send me an occasional email which is all I am asking for. I haven't had to use it or file a claim so I can't really go into detail about their service.
Geico
Geico is awesome. They offer reasonable prices and discounts for new members, they have awesome marketing, and are pretty seamless as far as an insurance agency goes.
Aaa
I just call them and they ask me questions and I answer those questions to the best of my ability.
Columbia
I do have to make a bit of a drive to see my representative, and I do have to make sure she's in the office since I'd rather talk to her than any other representative. However, that's not much of an issue for me. I don't mind making the drive, it's in a wonderful city.
State Farm
I really like the low premiums that the company offers as well as the excellent customer service. I have not had to worry about my insurance at all since I purchased the home.
State Farm
The only thing so far that I dislike about them is there is no office close to me it is a inconvenience having to drive 20 miles away.
Allstate
I would recommend Allstate because I've been a customer of this insurance company for well over 12 years. I've presented 2 claims in that time and everything went as it should have gone.

West Milford, NJ Homeowners Insurance By Home Value

West Milford, NJ Home Value Total Homes % of Total Average West Milford, NJ Homeowners Insurance
$100,000 to $124,999 209 3.0% $282
$125,000 to $149,999 234 3.0% $359
$150,000 to $174,999 157 2.0% $428
$175,000 to $199,999 211 3.0% $487
$200,000 to $249,999 1,204 20.0% $590
$250,000 to $299,999 1,224 20.0% $719
$300,000 to $399,999 2,489 42.0% $915

Top Home Insurance Agents Near West Milford, NJ

Home Insurance Company Near West Milford, NJ Homeowners Insurance Agency Near West Milford, NJ Address
NA Unfcu Financial Services, Llc 2401 44Th Rd Long Island City, NYC, NY, 11101
NA Allen & Allen Ins. Agency-Franklin Lakes 801 Franklin Ave Franklin Lakes, Franklin Lakes, NJ, 7417
Farmers Grigoriy Simakhov 535 Cranbury Rd Fl 2, East Brunswick, NJ, 8816
Farmers Jaideep Singh 8639 122nd St, Richmond Hill, NY, 11418
Farmers Matthew Andrews 201 Willis Ave, Mineola, NY, 11501

Cost Of Homeowners Insurance By Street Near West Milford, NJ

Streets in West Milford Area Homeowners Insurance Cost
Tulip Ave, E Shore Rd, Olden Ave, Peach Tree Ln, Prospect, Hi-Lo Ter, Penmere Rd, Alpine Ct, Weedon Dr, Upper Mount Glen Lake Dr$869
Sherwood Ct, Setting Sun Trl, Hickory Ave, Pilot Ave, Wooley Rd, Denville Ct, Gifford Rd, Carteret St, Silver Ln, Cross Rd$869
Belmar Ct, Risley Rd, Sisco Rd, Clubhouse Rd, Frederick Dr, Rolling Ridge Rd, Marshall Hill Rd, Duralee Ct, Hiawatha Pass, Norwood Rd$869
la Rue Rd, Hewitt Rd, Mountain Springs Rd, Wyckoff Ct, Iona Ct, Hopler Pl, Somerset Pl, Shephard Rd, Seabright Ct, Relda Ave$845
Shale Dr, Upsala Path, Weaver Rd, Club Pl, Quarry, Butler Ln, Hyde Rd, Mallard Rd, Hamilton Dr, Melrose Ave$866

West Milford, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
West Milford$127 to $130
Bloomingdale$130
Highland Lake$124
Ringwood$131

West Milford, 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
Bloomingdale borough, New Jersey $130 $173 $260
Highland Lake CDP, New Jersey $125 $166 $249
Ringwood borough, New Jersey $131 $174 $261

West Milford, 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 Milford, NJ2.7%7.1%
Bloomingdale2.51%7.23%
Highland Lake3.63%9.48%
Ringwood2.59%7.28%

West Milford Renters Insurance as a Percentage of Rent

West Milford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 27 3.0% $780
$300 to $499 37 4.0% $1230
$500 to $749 64 7.0% $1905
$750 to $999 182 21.0% $2655
$1,000 to $1,499 293 34.0% $3780
$1,500 or more 241 28.0% $5430

West Milford, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$2,400
Yearly West Milford Homeowner Insurance Premium Example $3,300$2,800
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $17,900$16,400
Net Savings to West Milford Home Owner from High Deductible Plan $1,500

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

Scenario West Milford, NJ Home Replacement Value MORE than Home Value West Milford, NJ Home Replacement Value LESS than Home Value
Replacement Value $290,500 $221,000
Insurance Premium based on Replacement Value $1,650 $1,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $36,000 Risk Exposure from Under Insuring Coverage is $33,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $225/year

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

Insurance Company AllstateChubb Group of InsuranceState Farm
Monthly Premium 11679425
Year Built 194419801998
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$250000-$300000$800000-$900000
Deductible $500 Deductible> $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1989 350,000 Tile Roof 1,800 3 $5000 to $10,000 Deductible 430 4 Wood siding yes
1973 330,000 Shingles Roof 1,740 4 $1000-$2500 Deductible 1170 9 Wood siding No
1949 275,000 Wood Shake Roof 1,890 4 $5000 to $10,000 Deductible 530 7 Stone Siding yes
1984 400,000 Asphalt Shingles Roof 2,930 4 $1000-$2500 Deductible 470 3 Stone Siding yes
1998 455,000 Wood Shake Roof 2,850 4 $500- $1000 Deductible 750 3 Brick siding No
2009 495,000 Wood Shake Roof 2,920 5 $1000-$2500 Deductible 1080 8 Stone Siding No
1945 695,000 Shingles Roof 4,170 5 $500 Deductible 1250 3 Wood siding No
1985 390,000 Asphalt Shingles Roof 2,100 3 > $10,000 Deductible 430 5 Wood siding yes
1989 355,000 Wood Shake Roof 2,580 4 > $10,000 Deductible 490 7 Stucco siding No
1940 555,000 Wood Shake Roof 3,410 5 $500- $1000 Deductible 1590 9 Vinyl siding No
1957 240,000 Shingles Roof 1,380 3 $5000 to $10,000 Deductible 420 7 Wood siding yes
1993 590,000 Composition Roof 4,340 5 $1000-$2500 Deductible 1700 10 Fiber-Cement Siding No
1972 270,000 Slate Shingles Roof 1,480 3 $500- $1000 Deductible 360 4 Stucco siding No
1959 465,000 Tile Roof 2,400 4 $500 Deductible 1650 10 Stucco siding yes
1995 430,000 Composition Roof 2,180 3 $1000-$2500 Deductible 1400 10 Brick siding No
1962 200,000 Tile Roof 1,200 3 $500- $1000 Deductible 580 8 Stone Siding No
1974 350,000 Slate Shingles Roof 1,980 3 $1000-$2500 Deductible 90 1 Brick siding No
2002 400,000 Wood Shake Roof 2,030 3 $500- $1000 Deductible 980 6 Stone Siding yes
1994 630,000 Metal Roof 3,770 5 $1000-$2500 Deductible 280 1 Stucco siding yes
1971 495,000 Composition Roof 2,960 4 $1000-$2500 Deductible 860 4 Fiber-Cement Siding yes
1955 580,000 Tile Roof 3,810 5 $5000 to $10,000 Deductible 290 2 Wood siding yes
1973 625,000 Tile Roof 4,290 5 $1000-$2500 Deductible 1520 9 Brick siding yes
1960 305,000 Asphalt Shingles Roof 1,960 5 $500 Deductible 120 1 Stone Siding No
1998 885,000 Wood Shake Roof 4,900 5 $5000 to $10,000 Deductible 1140 4 Vinyl siding No
2008 470,000 Wood Shake Roof 3,120 4 $2500-$5000 Deductible 410 3 Brick siding No
1944 345,000 Wood Shake Roof 2,090 4 $1000-$2500 Deductible 650 6 Stucco siding yes
1985 715,000 Slate Shingles Roof 4,760 5 $500- $1000 Deductible 2470 10 Stucco siding yes
1999 550,000 Membrane Roof 3,100 4 $500 Deductible 910 3 Brick siding yes
1958 470,000 Composition Roof 3,110 4 $2500-$5000 Deductible 210 1 Wood siding No
1961 395,000 Metal Roof 2,590 4 $500 Deductible 1460 9 Fiber-Cement Siding No
1992 605,000 Slate Shingles Roof 3,180 4 $500- $1000 Deductible 1900 9 Wood siding yes
1980 220,000 Membrane Roof 1,420 3 $2500-$5000 Deductible 690 10 Brick siding No
1969 340,000 Tile Roof 2,380 3 > $10,000 Deductible 600 9 Stone Siding yes
1968 430,000 Wood Shake Roof 2,210 3 $2500-$5000 Deductible 370 3 Wood siding yes