New Jersey Home Insurance Quotes
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.
Our team of licensed agents will shop for your New Jersey home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple NJ insurance providers.
Get the Best Home Insurance Rates in NJ
The average New Jersey home insurance rate in April 2013 was $829.00. It appears that rates have increased since March when average rates in New Jersey were around $815.00. This reflects the annual cost of a standard home policy and does not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In New Jersey
|Apr 2013||Mar 2013||Feb 2013||Jan 2013||Dec 2012|
Since average New Jersey homeowners insurance premiums have increased , you should stay mindful of how much you are paying to insure your home - and where you can save. Taking advantage of discounts can keep your rates low and 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.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting New Jersey home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your NJ policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in New Jersey are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in New Jersey by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,356||$545||$552†||$1,953†||$526|
|Foundation type||Basement||Crawl Space||Slab|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Electric|
Standard New Jersey Home Insurance Coverages
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
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard New Jersey home insurance policy
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.
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.
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.
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
Wildfires spring up across the East CoastTuesday, April 10, 2012
New Jersey family almost back home as their residence is rebuiltThursday, April 05, 2012
Researchers say 100-year flood events may becoming more commonFriday, February 17, 2012
Flood-damaged NJ home hit by fireFriday, January 27, 2012
New Jersey officials look to raise homes in floodplainTuesday, November 08, 2011
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.