Homeowners Insurance NJ

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Customize Your Coverage To Get the Best Homeowners Insurance in NJ for You

homeowners insurance njHomeowners in the Garden State face a variety of risks throughout the year. From rain and snowstorms to the risk of fire and wind damage, it’s important to protect your home with the right homeowners insurance in NJ. With the AARP® Homeowners Insurance Program from The Hartford,1 you can get the coverage you need at the right price.
 
Whether you live near Atlantic City, Newark, Trenton or anywhere else, The Hartford’s representatives can help provide protection for your New Jersey home. Get a homeowners insurance quote today and learn how The Hartford can help protect your house and belongings.
 

What Does New Jersey Homeowners Insurance Cover?

With the AARP Homeowners Insurance Program from The Hartford, your New Jersey homeowners insurance policy includes standard coverages, like:
 
  • Personal property coverage to help protect your personal belongings, such as furniture and appliances, if they sustain covered damages or are stolen.
  • Personal liability coverage, which helps protect you if you’re found liable for someone getting injured or property damage.
  • Loss of use coverage to help pay for living expenses if you can’t live in your home due to damage from a covered loss.
  • Dwelling coverage to help cover costs to repair or rebuild your home after it’s damaged by a covered loss like fire, lightning or vandalism.
  • Other structures coverage, which helps protect detached structures on your property, like detached garages, fences or sheds.
  • Medical payments coverage to help pay for someone’s medical bills if they are injured on your property.2

Additional New Jersey Homeowners Insurance Coverages

We know every homeowner in NJ has unique needs and that there’s no one-size-fits-all home insurance policy. That’s why The Hartford offers additional coverage options that you can add to your policy to help meet your needs, such as:
 
  • “New for Old” Protection, ‡‡ which helps replace your destroyed belongings with new ones of the same quality.
  • Reimbursement for replacing locks if your keys get lost or stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.
  • Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.
  • Disappearing Property Deductible,‡‡ which reduces your deductible every year when you go three consecutive years without having an insurance loss.
  • Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.
  • Valuable items blanket for additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help cover the costs to replace it.
It’s important to know that flood insurance isn’t included in standard homeowners insurance policies. To get coverage, you’ll have to purchase a separate insurance policy through the National Flood Insurance Program (NFIP).***
 
To learn more and find the home insurance coverage that’s right for you, call The Hartford at 877-422-2345 or start a quote online.
 

What Is the Average Homeowners Insurance Cost in NJ?

According to 2024 rates, the average cost of homeowners insurance
in New Jersey is $76 per month, or $916 per year.3 This is $843 less than the national average of $1,759 per year.4
 
Be aware that home insurance companies in New Jersey can look at different factors when determining your cost, such as:
 
  • Building costs in your area
  • The size of your New Jersey home
  • Geographical location
  • The likelihood of disasters, like a hurricane
  • Policy details, such as coverage limits
Because home insurance rates are dependent on these factors, New Jersey residents are likely to pay different amounts. The best way to find out your specific home insurance costs is to get a homeowners insurance quote.
 

Discounts on Home Insurance in NJ

There are several savings opportunities available to help you save on home insurance in New Jersey. Below are some of the homeowners insurance discounts that can help lower your rate.
 

Home Security Discount

The Hartford rewards you for making the investment to protect your home. So, if you install devices like burglar alarms, you can qualify for a home security discount.
 

Bundle Home and Auto Insurance

If you bundle your home and auto insurance with The Hartford, you can save up to 12% on your auto insurance and 20% on your home insurance cost.**
 

Fire Protection

If you install certain devices to help protect your home from fire damage, you can get a home insurance discount. This includes fire sprinkler systems and monitored alarms.

New Jersey Homeowners Insurance FAQs

New Jersey doesn’t require its residents to carry homeowners insurance. But if you financed your home, it’s likely that your mortgage lender will require coverage. 
 
Even though it’s not required, it’s still a good idea to get homeowners insurance to make sure your home is adequately protected. This can be especially important in New Jersey given the wide range of weather-related risks that residents face throughout the year.
It’s a question we hear often. And the answer depends, but some factors to consider when evaluating how much coverage you might need include your home’s size, the value of your belongings and your living expenses.

How To Get NJ Homeowners Insurance

Start Quote

Start your free quote quickly and easily online or by calling The Hartford at 877-422-2345. You’ll just need to provide basic details about you and your property.

Review Quote

Receive your customized homeowners insurance quote and review your coverages and benefits to make sure it’s right for you.

Save or Purchase Quote

Save your quote to review later or continue to purchase either online or over the phone.
You’ve made a big investment in your New Jersey home. That’s why it’s important to protect it with homeowners insurance from an insurance company you can trust. Not all homeowners insurance companies are the same. The Hartford is backed by experience, and our representatives are here to help you every step of the way. Whether it’s getting home insurance quotes or going through the claims process, you can count on our customer service and claims teams. Get a New Jersey home insurance quote today.

New Jersey Home Insurance Customer Reviews

quote 1
“The best experience and very much pleased with the response. From the inspection to the agent all involved have made this first time experience worry free! The Hartford has hit the ball out of the park!!”
 
Kevin
review 1
quote 2
“Great experience! Most non-complicated experience than any company I've ever dealt with.”
 
Melva
review 2
quote 3
“Water in basement which is part of my living area. Everyone was very polite and helpful. They made me feel as though me and my issue was as important to them as it was to me.”
 
Diana
review 3
 
 
Last Updated: September 16, 2024
 
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
 
3 Bankrate, “Home insurance rates by state for 2024.”
 
4 Bankrate, “Average homeowners insurance cost in September 2024.”
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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