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New Jersey
Homeowners Insurance Quotes

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Compare and save on New Jersey homeowners insurance today!

> New Jersey Homeowners Insurance

New Jersey Homeowners Insurance Quotes

New Jersey might be the Garden State, but nothing ruins tranquility of your garden like worrying about how to protect it. If you're trying to purchase homeowners insurance in New Jersey, you don't have to search multiple carriers and websites on your own. can help.

Put the 'liberty and prosperity' back in New Jersey's motto by using to shop home insurance rates. Whether you are in Jersey City or Newark, our licensed, independent agents can search multiple, highly rated carriers to find the policy at the price that works for you. Fill out the form above or call us today at 1-877-234-0731.

Why New Jersey home insurance?

It's not all sun and clear skies in the Garden State. After all, flowers also need rain. On average, New Jersey experiences 120 days of precipitation a year. That means thunderstorms in the spring and summer, ice and snow in the winter. Despite all that, wildfires also occasionally plague the state.

With its position on the East Coast, the state is vulnerable to hurricanes and tropical storms, which sometimes bring flooding. Remember that flood damage is not covered by standard New Jersey homeowners insurance policies. If you live near the coast or near a floodplain, consider purchasing a separate policy through the National Flood Insurance Program.

New Jersey homeowners insurance discounts

Regardless of whether premiums increase or decrease, one great way to save money this year is to search for home insurance discounts. Once again, our agents can do the work for you by determining the price breaks for which you might qualify.

Common ways to save include discounts for:

  • Bundling: If you purchase your auto insurance and your New Jersey home insurance through the same carrier, you could pay up to 20% less on your monthly premiums.
  • Retiring: Residents who are older than 55 and retired could earn price breaks of up to 20%.
  • Securing your home: Homes with security systems can earn their owners discounts. Even installing deadbolt locks could save you up to 5%.
  • Buying new: If your home was built within the last 10 years, you could qualify for a price break on your home insurance.
  • Maintaining good habits: Your claims and credit histories are important for your financial future. If you have good credit and haven't filed a claim within the last 10 years, you could reduce your monthly payments.

Homeowners insurance: what your neighbors pay

When shopping New Jersey homeowners insurance quotes, it can help to know how much others are paying. Curious to see what homeowners pay in Edison? Or Jersey City? Listed below are the last five New Jersey home insurance policies sold by Remember that premiums can vary based on home type, location, and individual situation.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $608 $563 $1,113 $987 $1,703
Premium with Auto Discount$517†$479†$946†$839†$1,448†
Zip 08757 07035 08619 08343 08527
Year Built 1983 2000 1983 2004 1987
Foundation type Slab Crawl Space Basement Basement Basement
Lot Size 5,458 Sq Ft 32,234 Sq Ft 19,166 Sq Ft 47,480 Sq Ft 45,346 Sq Ft
Square Feet 1,232 Sq Ft 2,334 Sq Ft 2,658 Sq Ft 2,020 Sq Ft 2,654 Sq Ft
Bedrooms 2 N/A 4 3 N/A
Bathrooms 2.0 N/A 2.5 2.5 N/A

Primary Heat Source Central Gas Central Gas Central Gas Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

Standard coverage for New Jersey homeowners insurance

So what exactly does a standard homeowners insurance policy protect? Probably more than you think. The main types of home insurance coverage are:

  • Dwelling: This type covers the structure of your home and any structures attached to it.
  • Other Structures: If you have any structures on your property that are detached from your home, they will be protected under your policy.
  • Personal Property: Your home's contents receive protection from theft or damage due to a covered peril under this portion of your homeowners insurance policy. This is important even though burglary rates fall below the national average in places such as Jersey City and Newark, according to the 2012 FBI Report on Offenses Known to Law Enforcement.
  • Loss of Use: You can receive help paying for restaurant and hotel bills when a covered event forces you to temporarily move out of your home.
  • Personal Liability and Medical Payments: If non-family members sustain injuries on your property, your policy helps you pay either their medical bills (Medical Payments) if they don't take you to court, or legal costs and the final judgment (Personal Liability) if they do. Both payments are subject to the limits of your policy.

Want more general information about New Jersey insurance. Click here for the state Division of Insurance.

Home insurance for your New Jersey city

If you're ready to get your free quote now, fill out the form above or call us at 1-877-234-0731 to get started today.

AbseconAtlantic CityAvenelBelleville
BergenfieldBrickCamdenCherry Hill
ClementonCliftonClintonEast Brunswick
East OrangeEatontownEdisonElizabeth
Highland ParkHobokenIrvingtonJersey City
KearnyLivingstonMadisonMaple Shade
MetuchenMoorestownMount LaurelNewark