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The Greatest Owners Insurance coverage Corporations in New Jersey

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Overall, among the home insurance companies in New Jersey, we thought Amica Mutual was great. And we picked four others who, for various reasons, are also doing an excellent job. Using SimpleScore and our proprietary methodology, our team rated the top five insurers in New Jersey to simplify your shopping experience.

America’s Top Rated Home Insurance

  • Rules from just now $ 25 / month
  • Log in Seconds, Claims paid in minutes
  • No hassle, no paperwork

We have a strict editorial policy to keep our authors and editors independent. Articles can refer to products from our partners. More information on how we make money can be found here.

The Simple Dollar is an independent, advertising-supported publisher and comparison service. The simple dollar is paid in exchange for the featured placement of sponsored products and services or for clicking on links posted on this website. This compensation can affect how, where and in what order products appear. The Simple Dollar does not include all companies or all products available.

Our methodology

We rated the best home insurance companies using our proprietary rating system called SimpleScore. We looked at the discounts available, coverage options, customer satisfaction, accessibility, and quality of support.

We also looked at other reputable reviewers like JD Power, which tracks customer satisfaction every year, and Consumer Reports, which examines factors such as satisfaction in reviewing policies, claims and other elements in choosing a great home insurance.

The best homeowner insurance in New Jersey

Overall great – friend

The only question you have about Amica Mutual is, “Where do I register?”

From affordability and coverage options to available discounts and customer satisfaction, Amica Mutual offers great insurance coverage for New Jersey homeowners.

Ideal for coverage add-ons – Allstate

Don’t leave anything to chance with the rugged coverage add-ons available from Allstate.

Allstate offers New Jersey residents some of the most unique and comprehensive ancillary services to help protect all of their belongings – yes, even their tennis racket.

Great in affordability – NJM insurance

Who said homeowner insurance in New Jersey had to cost an arm and a leg? NJM Insurance makes protecting your home easy and affordable.

SimpleScore

4.2 / 5.0

SimpleScore NJM insurance 4.2

NJM Insurance offers great, affordable insurance products for homeowners and is a great option for New Jersey residents. But it doesn’t stop there, NJM also offers plenty of coverage options and huge discounts to make your home insurance even more affordable.

Great at handling claims – District farm

If you’re looking for a team of real people to help you process your claim, State Farm is definitely the insurance carrier you need for your New Jersey home.

What State Farm lacks in coverage supplements and discounts, they more than make up for with excellent customer service and superior claims management services. In addition to providing you with great insurance, State Farm also offers personal financial tools on its website to help you make smart money movements.

Excellent at policy management – Plymouth Rock Assurance

Don’t let its hyper-local look and feel fool you: Plymouth Rock has some of the most streamlined tools to help policyholders manage their policies like a pro.

SimpleScore

3.6 / 5.0

SimpleScore Plymouth Rock Assurance 3.6

Plymouth Rock Assurance makes policy management a breeze with simple online tools to make claim filing, bill payment, and more. You can also download the app to manage your policies and make claims. If you are looking for a local airline that understands exactly what you need in New Jersey, Plymouth is an excellent option.

America’s Top Rated Home Insurance

  • Rules from just now $ 25 / month
  • Log in Seconds, Claims paid in minutes
  • No hassle, no paperwork

Choose your provider

Before choosing your New Jersey home insurer, you need to do a thorough research of national and local airlines. While nationwide carriers may offer a wider range of coverage options, local and regional carriers may have policies that are better tailored to your specific location. In some cases, the policy you get from a local or regional supplier may even be cheaper than that from suppliers that sell products nationwide.

Local airline

advantages

  • Can be cheaper than national providers.
  • Offers coverage options specific to your region.
  • Build a personal relationship with your insurance agent.

disadvantage

  • You may not always have the coverage options you need for your home.
  • You may not have that many discounts available to you.

National airline

advantages

  • Offers a wider range of coverage options.
  • Offers many discounts for homeowners.
  • Provides online, mobile and 24/7 tools for customers.

disadvantage

  • Less personal customer service.
  • You may pay more for coverage options that are specific to your region.

Minimum insurance requirements for New Jersey

Anyone who owns a home in New Jersey and finances the home through a lender must have homeowner insurance. Some lenders may only require the homeowner to apply for the mortgage cover. If you are seeking replacement cost coverage, you may need to insure your home from your lender for a set limit.

The amount of insurance required in New Jersey depends on the value of your property. Homeowners also need to make sure they have adequate personal liability insurance to protect them from any claims others may bring against them.

Flood protection

Average annual rainfall in New Jersey is 46 inches – a whopping 1’2 “more than the national average for the US. All the water has to go somewhere, and it could just be your basement. Because of this, it is a great idea for New Jersey residents to include flood insurance in their policies. Most standard policies do not include flood insurance. Hence, when looking for the best home insurer for your New Jersey home, it is important to find a provider that offers this as an add-on.

Hurricane coverage

When people think of hurricane season, they usually think of Florida, Louisiana, or Texas as the nation’s hotspots. But New Jersey is also having a pretty busy hurricane season. In fact, 2020 was a record year for hurricanes in the state, and those numbers are only expected to increase, according to the Department of Atmospheric Science at Colorado State University.

Even so, hurricane coverage is a worthwhile investment – especially if your Jersey home happens to be on the coast. Make sure you find a provider that offers hurricane coverage in addition to the guidelines available.

What is the cost of home insurance in New Jersey?

The cost of home insurance in New Jersey is as average as it comes. According to the Insurance Information Institute, the average annual premium for homeowner insurance in New Jersey is $ 1,192 – just $ 19 below the national average. However, homeowners can expect to pay more or less depending on the following factors:

  • Property value
  • Replacement costs
  • Age of home
  • Roof condition
  • Claims history
  • Credit history
  • Proximity to the water

Even the type of dog you have, whether or not your home has a swimming pool, and your marital status can affect your final rate. One of the easiest ways to lower your premium is to increase your deductible. Even a small increase from $ 500 to $ 1,000 can help you save up to 25% on your insurance premium.

America’s Top Rated Home Insurance

  • Rules from just now $ 25 / month
  • Log in Seconds, Claims paid in minutes
  • No hassle, no paperwork

New Jersey Home Insurance FAQs

How Much Insurance Do I Need in New Jersey?

While New Jersey doesn’t have set insurance requirements, it’s a good idea to have coverage that is equal to or greater than the value of your property. Thoroughly evaluate the value of your property before applying for coverage so you know how much you will need for your policy.

Who Needs Homeowner Insurance In New Jersey?

If you are a New Jersey resident and you own a home that is financed through a lender, you must have homeowner insurance. The type and breadth of coverage will likely be determined by your lender in order for you to obtain a mortgage. If you paid cash for your home, you don’t need home insurance. However, it is a smart way to protect your property in the event that it suffers unforeseen damage.

Is Homeowner Insurance More Expensive in New Jersey?

Although New Jersey is the 10th most expensive state in America, homeowner insurance is a expense that is shockingly average for citizens. With an average annual premium of just $ 1,192, New Jersey home insurance rates are $ 19 below the national average.

Too long, not read?

As a New Jersey resident, there are plenty of insurers to choose from, but our team believes Amica Mutual is the Garden State’s best bet. However, we understand that everyone is different and has special needs. Therefore, we encourage all of our readers to research carefully to find the policy most appropriate for them. Consider your options with national and local providers, review supplemental insurance, and take advantage of the discounts available so you can get the best home insurance for your New Jersey home.

For more information on coverage and options for your home, check out our Home Insurance Guide.

We appreciate your feedback on this article and appreciate your experience with the insurers we recommend. Contact us at enquiries@thesimpledollar.com with any comments or questions.

Last Editorial Update – December 7th, 2020, updated insurance company reviews and editorial buying guide for home insurance in New Jersey.

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