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New Jersey
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New Jersey Home Insurance - What's Happening

Life in New Jersey is comfortable, and that's reflected in the state's home insurance rates. New Jersey is the second-wealthiest state by median household income, according to the 2008-2012 American Community Survey. It's convenient as well for people who want to work in New York and Philadelphia but not live there.

New Jersey home insurance rates reflect many factors, including weather conditions, home size and age. These are some of the reasons New Jersey home insurance quotes in the second quarter of 2014 averaged $829 – right at the U.S. average. New Jersey gets a mix of Mid-Atlantic and Northeast weather, including hot summers, cold winters and coastal storms and hurricanes. In 2012, Hurricane Sandy caused more than $30 billion in damage in the state.

You can't prevent hurricanes, but you can protect your home at a reasonable price. Don't skimp on protecting your home and belongings. Let our licensed agents get you a free home insurance quote in minutes. Give us a call today, or fill out our short informational form above and we'll contact you at your convenience.

Curious about car insurance? Click here to learn more about auto insurance in New Jersey.

New Jersey Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

The average New Jersey home is older and smaller than what you'd see across the country, making them cheaper to insure.


Average year built

The average New Jersey home was built in 1966, 14 years earlier than the national average. An older home presents home insurance challenges, particularly if the wiring, roof, and plumbing haven't been updated recently.


Average home size

The average New Jersey home is 1,843 square feet, below the national average of 1,971. Smaller homes, depending on their features, can be less expensive to insure.


Average replacement cost

At $381,252, replacement costs were the highest in the country and well above the national average of $278,576.


% of homes with sump pump

Because of the potential for heavy rainfall and flooding, almost all New Jersey homes come equipped with a sump pump.

Property (Factors related to the property and location)

New Jersey rated near the top in the three metrics we considered for this grade. Few residents report owning on-property swimming pools or off-road vehicles, both of which increase the liability risks for providers. Despite being outside the home, both factors would be covered by a New Jersey home insurance policy.


Average structure cost

The average cost to insure all other structures of a New Jersey home, including fences, sheds and detached garages, is $23,633, slightly less than the national average of $26,165.


% of homes with a swimming pool

With easy access to beaches all down the coast, few New Jersey homeowners reported owning a pool.


%ATV/Snowmobile on property

New Jersey doesn't get much snow, and with no mountainous terrain, few residents own off-road vehicles.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

With an average cost of $33,000, fire claims are extremely expensive. Nearly every New Jersey homeowner has taken the precaution to have an extinguisher on his or her property.


% of homes with dead bolt locks on exterior doors

Deadbolt locks on exterior doors make life difficult for burglars and New Jersey beats the national average of 95.9%.


% of homes with smoke detectors

New Jersey ranked near the top for this metric, which again reduces the likelihood of a fire claim.


% of homes with security alarms

18% of New Jersey homes feature burglar alarms, slightly less than the national average of 19.7%.

Overall Grade - A (one of the best)

New Jersey home insurance premiums scored among the top of our list, thanks to outstanding scores on our Property and Bonus metrics. The average New Jersey home is older and more expensive to replace than the national average, but this was offset by high scores elsewhere.

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