Best Homeowners Insurance in New Jersey

We have gathered information from around 120+ insurance firms to help you choose the most affordable home insurance rates in New Jersey
The top 5 home insurance companies in New Jersey
New Jersey home insurance costs by city
Home insurance prices in New Jersey
Homeowners insurance deductibles in New Jersey
Home and auto insurance bundles in New Jersey

Everything about homeowners insurance in New Jersey

Home insurance in New Jersey costs only $521 every year or $42 per month which is $163 less than the national average. The most efficient way to find an inexpensive homeowners insurance policy in New Jersey is to buy and compare rates from as many insurance firms as you can. Have a look over the homeowners insurance rates in New Jersey in the given below table.
Keep in mind that your home insurance rates will vary, counting on your coverage limits



Homeowners Insurance Rates for New Jersey

Average Monthly Premium $104.25

Compare personalized homeowners insurance quotes from multiple companies in New Jersey now




The top 5 home insurance companies in New Jersey

Rates of Homeowners insurance in New Jersey will differ depending on which insurance firm you select. NJM has the insurance cost of only $521 annually. As the state's average cost is $661, NJM provides $145 less than the average policy costs statewide.
Check out the home insurance provided by the most inexpensive New Jersey insurance companies given below.


Cheapest Home Insurance Companies In New Jersey

InsurerAverage Annual Rate in New Jersey
NJM$521
New Jersey Skylands$525
Cumberland Mutual$531
Narragansett Bay$584
State Farm$737


Average Homeowners insurance Rates - New Jersey

New Jersey home insurance costs by city

Every city in New Jersey has different home insurance rates. The rates of the insurance policies depend on city-specific variables,which also includes the amount of claims filed according to their location. This means your ZIP code helps to decide how much you should pay.
Mount Freedom a city in New Jersey provides the best home insurance rates. The average home insurance policy here in Mount Freedom costs $633 per year which is $36 less than the other New Jersey cities. Check out the cheap homeowners insurance in New Jersey given below.


Cheapest Home Insurance Cities In New Jersey

CityAverage Yearly Home Insurance Rate
Carson City$884
Fallon$905
Dayton$907
Elko$901
Spring Creek$908


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Home insurance prices in New Jersey

Your chosen level of house owners coverage impacts the insurance premiums you pay. In New Jersey, the homeowners who maintain $100K of dwelling coverage pay $441 every 12 months, while those with dwelling coverage of $400K pay around $1,244 per annum.


Homeowners Insurance Rates In New Jersey — Common Coverage Tiers

Coverage LevelAverage Annual Premium
$100,000 Dwelling$441
$200,000 Dwelling$669
$250,000 Dwelling$832
$400,000 Dwelling$1,244




Homeowners insurance deductibles in New Jersey

Homeowners in New Jersey have to make tons of selections when buying a homeowners policy, which includes the quantity of their deductible. A homeowners deductible is called as the amount one who is accountable for paying in a loss. The level you select for a deductible can have an enormous impact on home insurance prices.
If you have lower deductible then your premium are higher. If you would like lower insurance prices, try to aim for a higher deductible. Keep in mind that your homeowners deductible shouldn't be set at an amount that you would have difficulty paying within the event of a loss.
The table given below contains the average rates and deductibles offered by most homeowners insurance firms.



Home and auto insurance bundles in New Jersey

If you want to save on insurance, consider carrying your home and auto policies with the same insurance company. Bundling homeowners and auto insurance in New Jersey can lead to substantial savings on car insurance. Purchasing bundled policies in New Jersey leads to a yearly discount of $124.


Home And Auto Insurance Bundling Discount In New Jersey

Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)
$500$945
$1,000$832
$1,500$809
$2,000$746
$5,000$661
$1,515$1,392
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