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 homeowners insurance in NJ. With the AARP® Homeowners Insurance Program from The Hartford,1 you can customize your coverage to get the best homeowners insurance in NJ for you. Whether you’d like to add coverage to protect your valuable personal belongings or protect against identity theft, The Hartford can help you get the coverage you need.
 
It doesn’t matter if you live near Atlantic City, Newark, Trenton or anywhere else. The Hartford’s specialists can help protect New Jersey homes across the state and get you coverage that fits your homeowner insurance needs. Get a homeowners insurance quote today and learn how we can help protect your house and belongings.
 

What Does New Jersey Homeowners Insurance Cover?

Homeowners insurance in NJ helps protect your home and personal belongings if they’re damaged by a covered loss or an Act of God, such as:
 
  • Fire
  • Lightning
  • Hurricanes
  • Theft
With the AARP Homeowners Insurance Program from The Hartford, your policy includes standard coverages, like:
 
  • Personal property to help protect your personal belongings, such as furniture and appliances.
  • Personal liability coverage, which helps protect you if you’re found liable for someone getting injured or property damage.
  • Loss of use 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.

More 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 we offer additional coverage options that you can add to your policy to help meet your needs, such as:
 
Keep in mind that your home’s replacement cost is different from its market value. We can help you determine your home’s market value vs. replacement cost.
 
Contact The Hartford at 877-422-2345 to learn more and find the homeowners insurance coverage that’s right for you.
 

Who Needs Homeowners Insurance in NJ?

homeowner insurance new jerseyNew 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.
 
“How much homeowners insurance do I need?” 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 living expenses.
 

What Is the Average Homeowners Insurance Cost in NJ?

The average cost of homeowners insurance in New Jersey is $775 per year, which is below the national average of $1,428.4
 
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 of these factors, New Jersey residents likely pay different insurance rates. The best way to find out your specific rate 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

We want to reward 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 5% 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.
 

Get a Quote for Homeowners Insurance in NJ

You 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 specialists are here to help you every step of the way. Whether it’s getting a quote or going through the claims process, you can count on our customer service and claims teams. Get a quote for homeowners insurance in NJ today.
 
 
Last Updated: April 28, 2023
2 This coverage is available for an additional fee and pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment breakdown coverage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. This does not include coverage for normal wear and tear.
 
3 The Hartford will pay the replacement cost to rebuild your home, even if it costs up to 125% of your home insurance policy’s coverage.
 
4 Bankrate, “Average homeowners insurance cost in April 2023”
** Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.
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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