Nelson & Ward Company
120 Wood Ave S, Ste 400, Iselin, NJ 08830
View this agency's profile to learn more about their services.
Loading...
City directory
Iselin households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
120 Wood Ave S, Ste 400, Iselin, NJ 08830
View this agency's profile to learn more about their services.
100 Wood Ave South, Floor 4, Iselin, NJ 08830
View this agency's profile to learn more about their services.
100 Wood Avenue South, 4th, Floor, Iselin, NJ 08830
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Iselin residents.
Iselin homeowners pay ~$1,200/year for insurance. Learn about flood risk, coverage for older homes, rate trends, and savings strategies in this NJ guide.
Car InsuranceEverything Iselin drivers need to know about NJ's no-fault insurance, PIP requirements, and the 2026 coverage changes. Compare rates and save.
Home insurance in Iselin typically averages around $1,200 annually, which is below the national average. However, your actual cost depends on your home's age, value, condition, and the coverage limits you choose. Homes built in the 1960s—common in Iselin—may see higher rates if they haven't been updated, while recent renovations like new roofs or electrical systems can lower your premium.
While Iselin isn't on the coast, flood risk exists throughout Middlesex County due to proximity to waterways and increasing rainfall. Standard home insurance doesn't cover flood damage, so separate flood insurance is essential if you're in a flood zone. Even moderate-risk areas should consider coverage, as about 25% of flood claims come from outside high-risk zones. Average flood insurance in New Jersey costs about $1,011 per year.
Since 2023, New Jersey insurers have requested and received approval for significant rate increases—some as high as 23.9%. This is driven by rising construction costs, more frequent severe weather events related to climate change, and increased claims across the state. Over 80 insurance companies filed for rate increases in 2025, making it essential to shop around for competitive rates.
The biggest savings come from bundling your home and auto insurance with the same company, which typically offers 15-25% off. You can also get discounts for home security systems, smoke detectors, newer roofs, claims-free history, and higher deductibles. Since many Iselin homes were built in the 1960s, updating key systems like electrical, plumbing, or heating can also qualify you for better rates.
Your dwelling coverage should reflect the cost to rebuild your home at current construction prices, not just your purchase price. With Iselin's median home value at $540,000 in 2025 and construction costs rising, many homeowners are underinsured. Get a replacement cost estimate from your insurer or a professional appraiser, and review your coverage annually to keep pace with rising building costs.
Older homes—especially those built before 1970—can face higher premiums or limited coverage options if they have outdated electrical, plumbing, or roofing systems. However, if you've made updates like replacing knob-and-tube wiring, installing a new roof, or updating the heating system, insurers view your home more favorably. Document all improvements and share them with your insurer to potentially lower your rates and improve coverage availability.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network