Jersey City, NJ Home Insurance - How Can I Get it Cheap

Here are some techniques one should use to buy Jersey City, NJ home insurance & get cheap rates.

1) Insure Personal Belongings In Your Jersey City, NJ Homeowners Insurance Coverage

Example Personal Belongings Category Price
Coaster Cabrillo Counter Height Two Tone Dining Table Black/amaretto Finish Finish Furniture $699.99
Husqvarna 22" Seeder Honda GX160 4.8 HP - SD22 - 966068701 Home Improvement $2,714.27
Klipsch KL-6504-THX(3 Speaker) In-Wall 5.1-SW-310 Denon AVR-X4000 IN-Command 7.2- White Speakers $5,243.00
Yamaha RX-A2050 AVENTAGE 9.2-Channel Network AV Receiver Plus + A Polk Audio Blackstone TL250 5.0 Home Theater Speaker System + (1) Polk Audio PSW108 10-Inch Powered Subwoofer Receiver or Amplifier $2,299.99
Amana RMS10TS Medium Volume Microwave Oven, 1000W Oven $725.00
Briggs & Stratton 40481 10000-watt Home Standby Generator System with 150-Amp Automatic Transfer Switch Lawn & Patio $2,999.00
Amana RMS10T Commercial Microwave Oven, 120v, 1000W Kitchen $619.00
Samsung UN55JU7100 55-Inch 4K Ultra HD 3D Smart LED TV Home Theater $1,799.99
Samsung MC11H6033CT Countertop Convection Microwave with 1.1 cu. ft. Capacity, SLIM FRY Technology, Grilling Element, Ceramic Enamel Interior, Drop Down Door, and Eco Mode in Stainless Steel Major Appliances $399.00
Olive ONE All-In-One HD Home Music Player, 2TB Music System $799.00

2) Home Security Systems Lowers Your Jersey City, NJ Home Insurance

Example Home Security Systems Price
Samsung SDS-P3042 4 Channel All-in-one DVR Security System $439.00
GW Security 8 Channel Realtime NVR Kit (4TB HD): 8 X HD-IP Camera. 1/3" 5 Megapixel CMOS Sensor. 2.8-12mm Manual Varifocal Megapixel Lens, 42PCs IR LED, 120 feet IR Distance. *** High Definition Video Surveillance For Your Home or Business $2,200.00
USG 1080P IP PoE CCTV Kit: 8x 1080P IP PoE 2.8-12mm Bullet Cameras 1x 8 Channel 1080P NVR 8x Ethernet Cables 1x 2TB HDD *** High Definition Video Surveillance For Your Home or Business $1,999.99
NETGEAR ProSAFE M4100-50G-POE 50-Port Gigabit Managed Switch with PoEﱘ魺� Uplinks/Routing (GSM7248P-100NES) $1,499.99
GW 8 Channel 1080P NVR Video Security Camera System - Six 5MP 1080P Weatherproof 2.8-12mm Varifocal Bullet Cameras, 180ft IR Night Vision, Realtime Recording 1080p @ 30fps, Pre-Installed 2TB HDD $1,499.00
ANRAN 16CH Channel Outdoor HDMI Network NVR HD Day Night Home Video Security Camera System with 16pcs Outdoor POE IP Camers 2pcs 3TB HDD Pre-installed $2,908.00
ANRAN 24CH Channel Network NVR Motion Detection Email Alert Home Security Surveillance System IP Camere POE NVR Kit 2.0MP P2P Outdoor 1080P with 3pcs 3TB HDD pre-installed $3,600.00
Lorex LND2152PK2B Full HD 1080p Indoor/Outdoor IP Security Camera (White) $499.99
Defender Sentinel Pro Wireless 8CH 1TB Security DVR Including 6 Wireless 520TVL Cameras with 100ft Night Vision,21313 $1,099.99
Lorex LH024501C4WB 4-Channel 500GB ECO Blackbox 4 x 960H Wireless Indoor/Outdoor Security Camera System with Stratus Connectivity (White) $699.99

3) Stop Smoking to Reduce Your Jersey City, NJ Home Insurance

County Percentage of smokers
Hudson county including Union City, Kearny, Jersey City, Guttenberg, Hoboken 16%
Burlington county including Shamong, Riverton, Pemberton, Bordentown, Southampton 15%
Warren county including Broadway, Asbury, Pohatcong, Upper Stewartsville, Hope 19%
Ocean county including Toms River, Little Egg Harbor, Silver Ridge, Island Heights, Bay Head 17%
Camden county including Brooklawn, Merchantville, Cherry Hill, Lindenwold, Stratford 19%
Mercer county including Princeton, Pennington, Princeton Junction, Hightstown, Hopewell 13%
Atlantic county including Folsom, Margate City, Longport, Weymouth, Mullica 20%
Monmouth county including Deal, Keyport, Shrewsbury, Upper Freehold, Lincroft 16%
Cumberland county including Commercial, Downe, Millville, Rosenhayn, Fairton 24%
Cape May county including Cape May Court House, Lower, Cape May, Cape May County, Avalon 21%
Salem county including Salem County, Mannington, Lower Alloways Creek, Elmer, Quinton 25%

4) Seniors Get More Home Insurance Discounts in Jersey City, NJ

Senior Population in Jersey City, NJ compared to similar areas eligible for home insurance
Place 55-60 Years 60-70 Years >70 Years
Jersey City 13070 18856 15350
Plandome Heights 58 123 91
Piscataway 3277 4636 3516
Wall 2128 2859 3023
Keansburg 561 751 822
Hightstown 314 506 509
Allenhurst 48 68 60
Irvington 634 784 769
Maplewood 1423 1779 1664
Mineola 1021 1895 2046
Irvington 3199 5169 3290