Popular Questions about New Jersey Home Insurance

The average homeowners insurance premium in New Jersey is $1,192 per year. That's slightly less than the national at $1,211. New Jersey home insurance rates will vary depending on your level of risk and other factors.   

In New Jersey, your home policy will cover the dwelling itself, other structures, personal property, medical payments to others, liability, and additional living expenses. Each limit is tailored to your needs and location. Your policy will come standard with coverage for fire, theft, vandalism, natural disasters, water damage, and other severe weather losses. 

Homeowners insurance in New Jersey is a necessity if you want to avoid major financial loss. While it's not required by law, it is needed when you have a mortgage, loan, or another party with financial interest in your property. 

Your New Jersey homeowners insurance is rated using a series of risk factors. Carriers take personal data and outside exposures to calculate home policy premiums. Things like past losses, property values, crime rates, natural disasters, and coverage selected will play a role in your costs. 

Yes, New Jersey has many independent insurance agencies that are willing to help. Check out the most recent data below for New Jersey:

  • Independent agents in New Jersey: 485 
  • New Jersey residents helped last year: 5,790

The best New Jersey homeowners insurance company is relative to your individual risks. Some of the most used in New Jersey are Progressive, Travelers, Selective, and Foremost insurance companies. What makes these carriers shine is highly rated comprehensive coverage at affordable pricing. 

Do You Know What Your New Jersey Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 homes
Basking Ridge$2,510$730,4300.93
Cherry Hill$957$236,4727.98
Egg Harbor$693$148,9829.67
Fair Lawn$1,535$445,2501.87
Hamilton Square$996$284,6002.82
Jackson Towship$1,197$353,0001.28
Jersey City$1,336$376,3003.58
Lower Township$723$189,0005.29
Mount Laurel$847$244,5002.46
New Brunswick$1,140$305,8495.58
Raritan Township$1,441$427,9630.52
Toms River$1,003$286,6002.81
Union City$1,011$297,0001.67
Washington Township$1,872$553,8990.15
West Milford$1,097$314,2192.69
  1. $194
  2. Middletown, NJ Monthly average home insurance cost
  3. Average monthly cost of Middletown home insurance: $194
  4. The likelihood of natural disasters plays a major role in determining the cost of your home insurance. In Middletown, winter weather is often severe and hurricanes are a serious threat. This could increase your premium.
  5. Common homeowners claims in Middletown: Damage from wind or hail.
  6. After a night of high winds, pounding rain and intermittent hail, you walk outside to assess the damage. Your yard is littered with trash and fallen limbs, and your roof is missing quite a few shingles. Even worse, a backyard tree has fallen toward your home, breaking the glass out of a bedroom window. Hurricanes wreak havoc on Middletown homes, but when you file a claim with your homeowners insurance provider, you'll receive the compensation you need to repair the damage.

  1. $83
  2. Woodbridge, NJ Monthly average home insurance cost
  3. Average monthly cost of Woodbridge home insurance: $83  
  4. Your premium might be slightly higher or lower, depending on the square footage of your home, the home's location, and the crime rate in your neighborhood.
  5. Common homeowners claims in Woodbridge: Theft or burglary.
  6. When you come home from work and discover that you've been robbed, it can really shake you up. Your home is in shambles, your valuables are missing, and you feel anything but safe. Home insurance steps in after a burglary to replace stolen valuables and pays to repair broken windows or other damage to your home.

  1. $126
  2. Lower Township, NJ Monthly average home insurance cost
  3. Average monthly cost of Lower Township home insurance: $126
  4. Your personalized premium might be slightly higher or lower. It all depends on factors like your credit score, the size and age of your home, and your previous claims history.
  5. Common homeowners claim in Lower Township: Property damage. 
  6. It's another frigid winter in Lower Township, and the latest snowstorm dumped over a foot of snow on your neighborhood. You had been meaning to replace your old roof but waited a bit too long, and now the weight of the snow has caused part of the roof to collapse. Snow is melting into your kitchen, and the water damage is starting to look serious. It's time to file a claim with your homeowners insurance plan to cover the cost of a new roof and the related water damage inside your home.

  1. $108
  2. Washington Township, NJ Monthly average home insurance cost
  3. Average monthly cost of Washington Township home insurance: $108
  4. Rates vary for every homeowner, depending on the home's size and location, its construction materials, and the local crime rate. Your actual cost for home insurance might be a little more or a little less than the average.
  5. Common homeowners claim in Washington Township: Water damage.
  6. One minute you're doing laundry and it's a normal day, and then suddenly water is gushing all over the floor, thanks to a broken hose on your washer. You shut the water off and mop up the mess, but a couple of days later, you notice the laminate flooring is starting to buckle. Water damage has taken hold, but there's no need to worry. Your Washington Township homeowners insurance plan will cover the cost to fix the damage.

  1. $89
  2. Parsippany-Troy Hills, NJ Monthly average home insurance cost
  3. Average monthly cost of Parsippany-Troy Hills home insurance: $89 
  4. Your premium could be higher or lower, depending on variables like your credit score, the crime in your neighborhood, and the size of your home.
  5. Common homeowners claim in Parsippany-Troy Hills: Fire damage. 
  6. It's the middle of the night and your smoke detector starts blaring. You quickly gather your family members and head outside to call 911 as smoke billows from upstairs. When the flames are finally put out, you're relieved that everyone is safe, but your home has suffered serious damage from the fire. Parsippany-Troy Hills homeowners insurance will handle the cost of rebuilding and repairs after fire damage, so you're covered.

  1. $80
  2. Evesham, NJ Monthly average home insurance cost
  3. Average monthly cost of Evesham home insurance: $80
  4. Your cost could be higher or lower. It just depends on variables like your home's age and square footage, your credit score, and your previous claims.
  5. Common homeowners claim in Evesham: Wind damage.
  6. Evesham is a high-risk area for hurricanes and has a long history of serious storm systems that cause widespread damage. In 2013, Hurricane Andrea dumped heavy rain on Evesham, and high wind speeds led to falling trees and serious destruction. Many homeowners rely on insurance to cover wind damage, such as broken windows and missing shingles.