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The average premium for homeowners insurance in America is $1,132, but if you live in New Jersey, you might pay less. The average premium is $1,092, making it cheaper to buy home insurance in New Jersey than in most other states.
Sometimes, disasters strike suddenly and with no warning for homeowners. Think of your home insurance as a backup plan that helps you stay afloat after an unexpected catastrophe.
Pays for repairs to your home and your belongings.
Pays for someone else's injuries or property damage when it's your fault.
Pays for temporary living expenses when your home is damaged.
We can’t be 100% certain, but last year insurance companies spent more than $1.1 billion on home insurance claims in New Jersey. That's a lot of unfortunate events happening to New Jersey homeowners.
Insurance carriers calculate the cost of a home insurance policy by asking, "How likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky New Jersey is compared to the rest of the US.
Break-ins and burglaries are an ongoing problem in New Jersey. In fact, theft is one of the most common homeowners insurance claims.
New Jersey is famous for long, cold winters that can lead to serious problems for homeowners, like frozen pipes, flooding due to snowmelt, and roof damage.
Independent insurance agents don't have loyalties to one specific company's insurance plans, so they can help you find the best coverage for your unique needs. Best of all, an independent agent can give you quotes on policies from multiple companies so you can compare rates before you choose a home insurance plan.
An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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