Westfield Insurance Rates:

Westfield, NJ homeowners insurance is nearly $808 to $1,101, about $67-$91/month. Our in depth guide shows customers can save upto $382 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
Never had to file a claim yet.They have always gotten back to me in a timely matter regarding questions. Premium is ok. But the ho.e office they stuck me with is over 200 miles away.
Liberty Mutual
The premium for our home continues to climb each year at a rate that seems disproportionate to the increase in the overall value of our home. I'm not sure we have appropriate coverage, but the premium is high.
Allstate
I am completely satisfied with my home insurance policy offerings. The policy is a great fit for my area without making me have to pay for unnecessary additions that wouldn't happen in my area.
Allstate
I am satisfied with them. they have been fair with my policy based on my age and driving record no complaints there.
Allstate
They withdrew money from my account when they weren't authorize to do so. so, i am disappointed with them. they seem to take longer to solve a claim.
Geico
I like that the rates of my coverage are not that expensive compared to other insurance companies that i have been with
Allstate
The major dislike is the fact that it isn't the cheapest route that I could go. There are other companies where I could get the same coverage for less.
Aaa
I have the option to call or chat or email them which is nice. I have has experience with almost all of them and each one has got the information I need and effectiveness.
State Farm
I like it that they explain exactly what I need. Being in the South you never know what's coming. They are very kind.
State Farm
Ease of use, it isn't always easy to find information that I am looking for as it may be subcategorized. I want to also easily be able to see the average costs in my area for some repairs so that I can make better consumer decisions when using my insurance to cover a claim (such as a roof).
Farmer's Insurance
My insurance company does not contact me unless they want to sell me something. They won't bother to let me know when there is an incoming rate increase. Instead. I have to wait and see if my next bill will change.
New Jersey Manufacturers Insurance Company
I like that I get to work with one person from start to finish. I like that almost everything is covered for a reasonable price and I like the communication they have with me.
Geico
Geico is a great company to go through all of your insurance needs from the great customer service, to the insanely low rates, to the super available call centers everything has been great!
Progressive
I would recommend this insurance. Obviously it's not free, so I can't say I am satisfied to the highest fulfillment.

Westfield, NJ Homeowners Insurance By Home Value

Westfield, NJ Home Value Total Homes % of Total Average Westfield, NJ Homeowners Insurance
Less than $50,000 47 3.0% $28
$60,000 to $69,999 15 1.0% $95
$90,000 to $99,999 24 1.0% $133
$100,000 to $124,999 15 1.0% $152
$150,000 to $174,999 48 3.0% $238
$175,000 to $199,999 49 4.0% $267
$200,000 to $249,999 124 10.0% $324
$250,000 to $299,999 141 11.0% $401
$300,000 to $399,999 727 60.0% $506

Top Home Insurance Agents Near Westfield, NJ

Home Insurance Company Near Westfield, NJ Homeowners Insurance Agency Near Westfield, NJ Address
NA M. Adams & Associates, Inc. 226 Middle Road Suite 4 Hazlet, Hazlet Township, NJ, 7730
Travelers Bayside Agency Ltd 20015 32Nd Ave Bayside, NYC, NY, 11361
Travelers Brownie W Davis Agency Corp 22 Elm St, Woodmere, NY, 11598
Liberty Mutual Jared Thomas 2 Jericho Plaza, Jericho, NY, 11753
State Farm Mansa Nicome 86 State Highway 35, Neptune City, NJ, 7753

Westfield, NJ Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Westfield, NJ

Streets in Westfield Area Homeowners Insurance Cost
Stirling Pl, Oak Ave, Connecticut St, Sedgewick Ave, Sunnywood Dr, Sunset Ave, Irving Ave, Midvale Ter, Floral Ct, Drummond Rd$932
Gallowae, Tuxford Turn, Lawnside Pl, Marcellus Dr, Ardsleigh Dr, W Broad St, Elmer St, Hiawatha Dr, Fairfield Cir, Cottage Pl$930
Azalea Trl, Ferris Pl, Cayuga Way, Willow Grove Pkwy, Girard Ave, Ayliffe Ave, Mohawk Trl, Davis Ct, Terrace Pl, Raymond St$938
Maryland St, Bennett Pl, Avon Rd, Scudder Rd, Hardwick Ave, Hyslip Ave, Montauk Dr, Village Cir, Tuttle Pkwy, Codding Rd$944
South Ave E, Kirkview Cir, Massachusetts St, N Cottage Pl, Shackamaxon Dr, Glen Ave, Ripley Pl, Hazel Ave, Parkview Ave, E Grove St$936

Westfield, NJ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Westfield$142 to $145
Garwood$131
Union County$130
Scotch Plains$135

Westfield, 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
Garwood borough, New Jersey $131 $174 $261
Union County, New Jersey $131 $174 $261
Scotch Plains township, Union County, New Jersey $135 $180 $270

Westfield, 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
Westfield, NJ2.2%8.0%
Garwood2.7%7.28%
Union County2.64%7.24%
Scotch Plains2.39%7.53%

Westfield Renters Insurance as a Percentage of Rent

Westfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 40 2.0% $736
$300 to $499 112 6.0% $1186
$500 to $749 50 2.0% $1861
$750 to $999 213 11.0% $2611
$1,000 to $1,499 521 28.0% $3736
$1,500 or more 871 48.0% $5386

Westfield, NJ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$9,000
Yearly Westfield Homeowner Insurance Premium Example $3,700$2,100
Out of Pocket Expense During Claim$1,000$9,000
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $23,200$21,600
Net Savings to Westfield Home Owner from High Deductible Plan $1,600

Westfield, NJ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Westfield, NJ Home Replacement Value MORE than Home Value Westfield, NJ Home Replacement Value LESS than Home Value
Replacement Value $672,000 $442,000
Insurance Premium based on Replacement Value $3,975 $2,600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $147,500 Risk Exposure from Under Insuring Coverage is $82,500
Premium Impact Insurance cheaper by $500/year Insurance costlier by $875/year

Example Westfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmFarmers Insurance
Monthly Premium 255318105
Year Built 196519441946
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $800000-$900000$700000-$800000$400000-$500000
Deductible $1000-$2500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 595,000 Composition Roof 2,370 4 $1000-$2500 Deductible 160 1 Wood siding yes
1969 605,000 Tile Roof 2,390 4 $500- $1000 Deductible 280 1 Stucco siding No
1943 755,000 Composition Roof 2,090 3 > $10,000 Deductible 2030 10 Stucco siding No
1966 435,000 Wood Shake Roof 1,330 3 $5000 to $10,000 Deductible 440 5 Vinyl siding yes
1961 1,170,000 Composition Roof 4,400 5 $500 Deductible 1430 4 Brick siding No
1964 1,100,000 Shingles Roof 3,960 5 $2500-$5000 Deductible 2420 7 Fiber-Cement Siding yes
1962 655,000 Membrane Roof 2,260 4 $500- $1000 Deductible 1450 5 Stone Siding yes
1944 470,000 Slate Shingles Roof 1,580 5 $5000 to $10,000 Deductible 870 6 Fiber-Cement Siding yes
1963 680,000 Asphalt Shingles Roof 1,910 4 $500- $1000 Deductible 210 1 Vinyl siding No
1948 560,000 Asphalt Shingles Roof 1,690 3 $5000 to $10,000 Deductible 1940 12 Vinyl siding No
1960 665,000 Asphalt Shingles Roof 1,900 3 $500- $1000 Deductible 2850 10 Stone Siding No
1963 1,215,000 Shingles Roof 3,820 5 $500 Deductible 1070 3 Stucco siding No
1964 1,435,000 Slate Shingles Roof 4,700 5 > $10,000 Deductible 1480 6 Fiber-Cement Siding No
1942 1,040,000 Shingles Roof 2,960 4 $2500-$5000 Deductible 2100 9 Stone Siding No
1947 780,000 Asphalt Shingles Roof 2,180 5 $2500-$5000 Deductible 1290 5 Vinyl siding No
1962 535,000 Composition Roof 1,910 4 $500 Deductible 2090 9 Fiber-Cement Siding No
1962 560,000 Asphalt Shingles Roof 2,240 3 $500 Deductible 1300 4 Brick siding yes
1963 605,000 Tile Roof 1,770 4 $500- $1000 Deductible 1550 9 Wood siding yes
1944 955,000 Asphalt Shingles Roof 2,790 4 $2500-$5000 Deductible 1100 4 Stucco siding No
1969 460,000 Composition Roof 1,550 3 $5000 to $10,000 Deductible 1160 12 Stucco siding yes
1948 870,000 Asphalt Shingles Roof 3,200 4 $5000 to $10,000 Deductible 1100 4 Stucco siding yes
1964 425,000 Metal Roof 1,250 3 $500 Deductible 1500 10 Stone Siding yes
1942 505,000 Metal Roof 2,020 3 $5000 to $10,000 Deductible 1150 12 Fiber-Cement Siding No
1965 1,095,000 Tile Roof 3,420 5 $1000-$2500 Deductible 430 1 Vinyl siding yes
1967 1,185,000 Shingles Roof 4,610 5 $500- $1000 Deductible 2130 5 Vinyl siding yes
1941 475,000 Asphalt Shingles Roof 1,440 3 $500 Deductible 1830 10 Stone Siding yes
1960 800,000 Wood Shake Roof 2,210 3 > $10,000 Deductible 360 2 Fiber-Cement Siding yes
1942 615,000 Shingles Roof 2,130 4 $500- $1000 Deductible 3130 12 Brick siding No
1947 860,000 Metal Roof 2,890 5 $500- $1000 Deductible 300 1 Stone Siding No
1967 1,005,000 Asphalt Shingles Roof 2,860 5 > $10,000 Deductible 1310 6 Stucco siding No
1940 720,000 Tile Roof 2,840 4 $2500-$5000 Deductible 490 2 Brick siding yes
1940 485,000 Composition Roof 1,950 4 $500 Deductible 380 2 Stone Siding yes
1963 1,335,000 Metal Roof 4,320 5 $2500-$5000 Deductible 1330 5 Vinyl siding No

How To Make Your Westfield, NJ Home Insurnace Cheaper