Commercial, NJ Home Insurance - How Can I Get it Cheap

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

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

Example Personal Belongings Category Price
Solar Storm 24S with Arm and Face Tanners Lawn & Patio $3,499.00
Le Creuset Enameled Cast-Iron 8-Quart Oval French Oven, Flame Kitchen $405.00
Coaster Home Furnishings 4129 Country Dining Chair (Set of 4), Natural and White Furniture $272.00
Sony XBR65X900C 65-Inch 4K Ultra HD 120Hz 3D Smart LED TV (2015 Model) Home Theater $3,999.99
Apex Whole House Water Filtration System w/ GAC amd Activated Alumina Home Improvement $350.00
Dell Inspiron i3541-2001BLK 15.6-Inch Laptop (2.4 GHz AMD A6-6310 Quad-Core Processor, 4GB DDR3, 500GB HDD, Windows 8.1) Black Personal Computer $399.99
Hooker Furniture Indigo Creek Oval Dining Table in Rub-Through Black Home $2,307.00
Rode SVM Stereo Condenser Microphone Musical Instruments $349.00
Southbend 18 in. Heavy Duty Range 2 Burner Cabinet Base - P18N-X Stove $3,957.00
Southbend 400 Series Ultimate Restaurant Range 60" 4 Burner 36" Griddle Standard Oven - 4601DC-3GL Major Appliances $11,326.00

2) Home Security Systems Lowers Your Commercial, NJ Home Insurance

Example Home Security Systems Price
16 Channel NVR with 16 POE Ports Built in - Up to 5MP on every channel - 1TB Hard Drive $907.20
USG 36 Channel 1080P PoE IP CCTV Kit: 24x 1080P IP PoE 2.8-12mm Bullet Cameras 1x 36 Channel 1080P NVR 4x 9 Port PoE Switches 3x 3TB HDD *** High Definition Video Surveillance For Your Home or Business $5,199.99
Wired 8 inch LCD Monitor Recording Video Door Phone Intercom Doorbell Chimes Security Entry Access Control RFID Card System with 4GB SD Card for 10 Apartment Families Villa $1,570.00
GW Security VD12CHH7 16 CH HD-SD DVR 12 x HD-SDI 1/3-Inch 1.3 Megapixel 720p ZeeAnn Progressive Scan CMOS Camera 2.8 to 12 mm Lens $2,800.00
GW Security VD8CHH5 8-Channel HD-SDI DVR 1080P 4 x HD-SDI 1/3 Inches 2.1 Meg 3.6mm Lens 98-Feet IR and 4 x 1/2.8 Inches 2.2 Meg Starlight HD-SDI Camera (Colorful) $2,050.00
Night Owl Security L-45-4511 4-Channel 960H DVR with 500GB HDD HDMI Output 4 Night Vision Cameras and Free Night Owl Lite App (Black) $249.99
GW Security 32 Channel 960H DVR (24) x 700TVL Outdoor /Indoor Analog Security Camera System - 2.8~12mm Varifocal Zoom Lens Pre-installed 4TB Hard Drive $3,600.00
Samsung SDS-P5122 16 Channel All-in-one DVR Security System $879.00
Lorex LNR341C4B 4-Channel 1TB NVR 4 x 1080p HD IP Indoor/Outdoor Security Camera System with Stratus Connectivity (White) $1,049.99
Q-see Qc9416-16y4-3 16 Channel Security System 8 900 TVL Bullet Cameras 3tb HDD $2,400.00

3) Stop Smoking to Reduce Your Commercial, NJ Home Insurance

County Percentage of smokers
Cumberland county including Upper Deerfield, Millville, Downe, Cumberland County, Commercial 24%
Passaic county including Woodland Park, Wanaque, Singac, Paterson, Prospect Park 17%
Gloucester county including Mantua, Glassboro, Mullica Hill, Pitman, Beckett 19%
Salem county including Quinton, Pilesgrove, Lower Alloways Creek, Salem, Mannington 25%
Bergen county including Fairview, Edgewater, Leonia, Franklin Lakes, Saddle Brook 14%
Atlantic county including Somers Point, Weymouth, Hammonton, Atlantic County, Collings Lakes 20%
Sussex county including Crandon Lakes, Montague, Wantage, Andover, Sussex County 18%
Cape May county including Stone Harbor, North Wildwood, West Wildwood, Cape May Court House, Burleigh 21%
Monmouth county including Little Silver, Colts Neck, Spring Lake, Red Bank, Englishtown 16%
Somerset county including Weston, Six Mile Run, South Bound Brook, Blawenburg, Bound Brook 9%
Warren county including Pohatcong, Brass Castle, Hackettstown, Great Meadows, Stewartsville 19%

4) Seniors Get More Home Insurance Discounts in Commercial, NJ

Senior Population in Commercial, NJ compared to similar areas eligible for home insurance
Place 55-60 Years 60-70 Years >70 Years
Commercial 420 531 406
Lewes 2590 5696 6109
Cape May 192 577 934
Pitman 618 991 985
Wenonah 221 239 213
West Deptford 1476 2053 2346
Southampton 844 1835 2516
Upper Pittsgrove 286 398 356
Cape May Point 24 42 82
Townsend 89 82 65
Chadds Ford 270 621 287