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Call Us Now: Shopping for New Jersey home insurance quotes just got easier. Fill out one quote form on HomeInsurance.com and our team of licensed agents will compare your policy with the top rated insurance providers in the country. It's the easiest way to know you're getting the best home insurance rates in New Jersey. We are now offering comparative rates on auto insurance too, which could save you even more.
The average New Jersey homeowners insurance rate in September 2011 was $638.00. These rates reflect average premiums on new sold policies by HomeInsurance.com. A standard home insurance policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Since average New Jersey homeowners insurance premiums have increased, you should stay mindful of how much you are paying to insure your home. Taking advantage of discounts can make sure your rates stay low while keeping your coverage intact. The biggest savings can usually be found with a home-auto discount which can save you around 20% on your New Jersey policy. Other discounts may be offered for homes that have burglar alarms and deadbolt locks.
Standard New Jersey Home Insurance Coverages
| A | Dwelling: A standard New Jersey homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard New Jersey home insurance policy |
| C | Contents/Personal Property: A New Jersey home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your New Jersey home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In New Jersey, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or New Jersey MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
New Jersey Homeowners Insurance News
- Flood-damaged NJ home hit by fireFriday, January 27, 2012
- New Jersey officials look to raise homes in floodplainTuesday, November 08, 2011
- Property damage from Irene highest in New York's Suffolk CountyWednesday, October 19, 2011
- New Jersey insurance commissioner urges residents to review policiesFriday, January 21, 2011
- Columnist: Devil is in the details on home insurance ratesMonday, December 06, 2010
Other New Jersey Homeowners Resources:
- Visit our RateReport to see how New Jersey home insurance rates measure up against other parts of the country.
- Do you know what your home insurance covers? Visit home insurance 101 to see what your policy may and may not cover.
- Are you qualifying for all available discounts in New Jersey? Check out our list of available home insurance discounts.
Search for home insurance in your New Jersey county:
Customer Reviews in New Jersey
For additional information about specific insurance laws in New Jersey, visit the New Jersey Department of Banking and Insurance website.
