Howell, NJ Homeowners Insurance

Howell, New Jersey, is known for its lush watershed along the Manasquan River that has been home to settlers since 9000 BC. If you are one of the 52,114 residents, you may be wondering about homeowners insurance.

Fortunately, you can find an independent insurance agent in Howell who will lend a hand. Your homeowners insurance should be easy, and working with a trusted advisor is the best first step.

Liability Insurance in Howell, NJ — Do You Need It?

Liability insurance is one of the primary coverages of your Howell home insurance policy. Not having liability insurance would create a massive gap in coverage which could result in hundreds of thousands of dollars not covered under a loss. 

Liability insurance on your Howell home covers the following:

• It protects your financial assets if you are legally responsible for damage to another person or their property.
• It protects other household members who are legally responsible for damage to another person or their property.

Example of a liability claim:

If your dog ran out and bit the UPS driver delivering a package to your home, the dog bite claim could result in a stack of medical bills. In this instance, your liability insurance would extend coverage.

How to Protect Yourself from Disasters in Howell, NJ

Howell, NJ, is home to tropical storms, severe weather, and freezing temperatures that can cause a homeowners insurance loss quickly. 

• Percentage of Howell residents impacted by tropical storms: 37%
• Tropical storms that impacted New Jersey from 1950 to 2017: 93

Without correct property insurance, your home is at risk for one of these tropical storm losses. The tropical storms that damage the city of Howell create an aftermath of losses for residents as well. 

Extreme weather losses in Howell, NJ:

• Power outages: Power outages surge through Howell and throughout New Jersey, causing damage to the interior and exterior of the homes. 
• Property damage: You'll want additional expense coverage on your homeowners policy to pay for a hotel stay or rental home until your house becomes livable.
• Food Spoilage: If you have food in the refrigerator or freezer, you could be out all those groceries if there is a power outage or property loss due to weather.

How Much Is Homeowners Insurance in Howell, NJ?

Insurance can be pricey depending on where you live. Homeowners insurance rates in Howell are pretty low compared to the state and national averages. 

• National average: $1,173
• New Jersey average: $941
• Howell average: $885

The above averages are pooled figures, and your specific homeowners insurance premium may be higher or lower. Rating factors are determined on your home's value, your claims history, your insurance score, the crime rate, and the coverage you select.

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What Are the Crime Rates in Howell, NJ?

New Jersey has one of the lowest burglary rates in the United States. Howell, on the other hand, is on the higher side of the scale when it comes to break-ins. All the more reason to get with an independent agent and discuss theft coverage. 

The Number of burglaries per 1,000 Homes:

• National average: 4.69
• New Jersey average: 2.83
• Howell average: 6.56

If you own valuables such as guns, furs, silver, or jewelry, then have your independent agent talk to you about scheduling such items. Everything else will be covered under the theft portion of your homeowners insurance policy.

What if Your Howell, NJ, Home Floods?

Flood insurance is surprisingly not a covered loss on standard homeowner's insurance policies. If you live in Howell, NJ, the likelihood of a flood loss is great. The city of Howell is not only on the coast of the North Atlantic Ocean, but it also has the Manasquan River. This imposes a flood threat for residents.

Your Howell home will have a flood zone assigned to it, and it can be found through your independent insurance agent. If a flood zone has not been determined for your property, then your independent agent can get a survey ordered for you. 

Four Easy Steps to Obtaining Flood Insurance in Howell, NJ:

Step #1 - Get an independent insurance agent.

Step #2 - Have your independent agent look up what flood zone your property is located in.

Step #3 - Your agent will then quote flood insurance based on your flood zone and property address.

Step #4 - Purchase flood insurance through your independent agent.

How to Work with an Independent Agent in Howell, NJ

A Howell independent insurance agent is local and knows the coverage you need when you live there. They are likely your neighbor, little league coach, and a chamber of commerce member. Find a Howell independent agent at TrustedChoice.com and get connected today.