Get Blairstown, NJ Home Insurance Rates!

If you have watched your Blairstown home insurance rates increase year over year, you are not alone. Homeowners insurance in New Jersey has gotten more expensive over the last decade and New Jersey is now the #22 in country when it comes to the cost of homeowners coverage.

The average cost of homeowners insurance in New Jersey is currently $1277 which makes New Jersey the #22 most expensive state in the country for home insurance. Local residents of Blairstown need to be aware that the national average is $1311.

The insurance coverages you need in Blairstown

Homeowners in Blairstown (or just about anywhere for that matter) should be aware of the different types of protection offered by a homeowners policy. Here is a quick overview:

Dwelling: This portion of your policy will help repair or rebuild your home’s structure if it is damaged or destroyed by a covered peril. Your dwelling coverage levels should be enough to cover the cost of rebuilding your home.

Liability: The liability portion of the policy will help cover any liability issues that come up at your home. It will help pay medical as well as legal bills for any injuries that happen to guests at your home. This can be the result of someone being injured at your home, falling down your stairs for example or if your pet bites someone the liability portion of your policy will step up.

A standard homeowners policy comes with $100,000 in liability coverage but most experts recommend carrying at least $300,000 in coverage. Medical and legal bills can quickly add up so make sure you are carrying enough liability protection.

Personal Property: This coverage will repair or replace your personal possessions if they are damaged or destroyed by a covered peril. The coverage amount for your personal property is 50 percent of your dwelling coverage which means that if you are carrying $300,000 in homeowners insurance on your home, your coverage level for your personal property is $150,000.

Other Structures: This covers other structures on your property such as outbuildings, sheds, barns, detached garages and other structures. This coverage is 10 percent of your coverage levels on most policies so if you are carrying $200,000 on your home, your other structures are protected by $20,000 in coverage. This is all structures combined.

Loss of Use: If your home is so damaged that you can’t live in it while it is being repaired the loss of use portion of your policy will step up. This coverage will help cover expenses you incur due to being out of your home. It will pay hotel bills, restaurant tabs as well as other expenses such as dry cleaning.

Tips for lowering your insurance costs in New Jersey

While the cost of homeowners insurance has gone up in recent years, there are ways to save a bit of money on your premium. Regardless of whether you live on the coast or inland, these tips can help put some money back in your pocket:

Shop your coverage: If you are reading this, you are probably already shopping your coverage. Shopping your policy is the best way to lower your insurance costs. Insurers rate risk differently and this can lead to dramatic differences in premium quotes.

We can help make the shopping process quick and easy. Simply enter you zip code at the top of the page, fill out our short form and Click "Get Home Insurance Quotes". We will shop your coverage with at least 12 insurance companies that best respresent the city of Blairstown and we ensure you will find a great policy without having to leave the comfort of your own home.
Discounts: Insurers offer numerous discounts and making sure that every discount you qualify for is applied to your policy is a great way to lower your premium. We make sure all available discounts are being applied to your policy.
Upgrade your home: This can result in big savings, particularly if your home is located on the coast. Replacing your roof with wind and hail resistant shingles, adding storm shutters and getting your mechanicals off the ground can result in big savings.
Up your deductible: This is another great way to lower your premium. Doubling your deductible can result in a major discount. Always make sure you choose a deductible that you can easily afford in the event you have to make a claim.

It's time to save some money

If you are ready to save a bit of coin on your insurance bill, we are here to help. We offer a quick and easy solution to shop and compare Blairstown home insurance rates online, with our quick online quoting application, we can help you review rates from up to 12 home insurance companies to find the best policy for your particular home.

If you are looking for a new policy that comes with great coverage and a low premium for your home in Blairstown, let us help you save up to 40% or more on your new home insurance policy. Start a quote online now or give us a call at 1-855-976-2656..

Compare Homeowners Insurance Rates in Blairstown, NJ!

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Average Rates Nearby Blairstown

Are you looking for homeowners insurance in a city near Blairstown? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Blairstown, NJ

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Blairstown.

07825,

Blairstown, NJ Home Insurance Average Premiums

Local Blairstown, NJ home insurance quotes comparison

$680 /yr.

Shows Blairstown's lowest average rates with discounts applied.

For the city of Blairstown, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$680 /yr.
Average Coverage:	$930 /yr.
2600 sq. ft. or higher (all discounts applied)	$1230 /yr.

What is the average home insurance cost for a home in Blairstown, NJ?

• The average homeowners insurance premium paid annually for a home in Blairstown is around $930 per year.

What does it cost on average per month for home insurance in Blairstown, NJ?

• Homeowners in Blairstown pay an average cost per month around $78.00 for insurance coverage.

Blairstown, NJ - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$0	$0

Homeowners insurance will help cover the cost to repair or replace your Blairstown home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Blairstown
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Blairstown, NJ homeowners insurance rates all in one place!

Saving Money Tips on Blairstown Home Insurance

A great way to save money on Blairstown homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Blairstown area? Check out what homeowners are paying on average for New Jersey homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
570 ft.	This is the average home elevation in Blairstown, NJ	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local New Jersey flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Blairstown, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Warren County.

New Jersey Homeowners Insurance News & Information

Buy Flood Insurance: What we learned from Hurricane Ida Posted on Monday 20th September, 2021
On September 2, 2021, Parked cars in New Brunswick, New Jersey submerged underwater after Tropical Storm Ida. Hurricane Ida struck Louisiana as a category 4 hurricane with 150 mile an hour winds and days later hit New Jersey, New York, and other states with a massive amount of rain that has caused numerous flash floods, […]
FEMA’s new rating system is called “Risk Rating 2.0,” effective October 1st, 2021 Posted on Wednesday 28th April, 2021
A recent report by ValuePenguin looked at the new risk ratings that the Federal Emergency Management Agency’s (FEMA) will be using when determining premiums for flood insurance in the National Flood Insurance Program (NFIP). The report found that millions of homeowners could see noticeable increases in flood insurance costs. FEMA’s new rating system is called […]
Update: New Jersey Ordered Insurance Relief Posted on Wednesday 22nd April, 2020
New Jersey residents may see some relief from insurance premiums due to COVID-19 pandemic. Recently, the New Jersey Department of Banking and Insurance ordered insurers to provide financial relief to residents and businesses. The guidance was signed last week by Governor Phil Murphy and extends the grace periods during which insurance companies will not be […]
Mortgage Payment Relief 2020: Tips & Questions Posted on Tuesday 21st April, 2020
Homeowners across the country are suffering as unemployment climbs across all industries, making it difficult for many homeowners to cover all of their bills. The Federal government, as well as some private mortgage companies are offering a bit of help by allowing some homeowners to apply for mortgage relief. While this sounds great, there can […]
New Mortgage Relief for New Jersey Homeowners During Coronavirus Crisis Posted on Wednesday 15th April, 2020
Aerial view of Atlantic City, New Jersey, overlooking Atlantic City Boardwalk and pier. In a recent announcement, New Jersey Gov. Phil Murphy revealed the details of a 90-day grace period for mortgage payments for all New Jersey homeowners that have been financially impacted by the outbreak of the coronavirus. This will allow New Jersey residents […]

Blairstown, NJ Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Blairstown so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Blairstown, NJ?

- The average square footage in Blairstown is around 1,771 Sq. Ft. which would cost you around $341,800 to replace the home if you base the home on the price to build per square foot of $193.

Minimum Replacement Cost Total: $341,800

Location: Blairstown, New Jersey (Warren County)

Average Building Cost Per Square Foot in Blairstown: $193 (low end)

Average Square Footage in Blairstown: 1,771 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$193	$341,800
Some Additional Upgrades	$241	$427,250
Major Home Updates or Advancements	$290	$512,700

Calculate Your Blairstown, NJ Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($193) in Blairstown, New Jersey times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $603,125 (Media price to build of $241 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.