Affordable homeowners insurance is a vital part of protecting your biggest asset and maintaining homeownership. It offers a variety of coverages to protect you against losses that may result from disasters, such as the loss or damage of your property or home.
It's important to find the right balance between your budget and coverage. That's why we partnered with the nation's top insurers to find you a policy that protects your home and gives you peace of mind at a price you can afford.
Find the best home insurance rates in NJ
We compiled thousands of quotes and analyzed customer satisfaction ratings from the top insurers in New Jersey to help you figure out which company offers the best deal on your insurance. In addition to comparing rates with different coverage options, we also looked at discounts and other factors.
Find the lowest home insurance rates in NJ
We found the NJ home insurance companies with the lowest average cost for various types of policies. These include policies that cover fire, theft, and flood, as well policies that are low-deductible or have no deductible. We then ranked them based on the Bankrate Scores which are a mixture of premium and third-party rating data.
USAA, Allstate, and Travelers are our top picks. They all have high Bankrate scores and provide great value for money. These companies have high Bankrate Scores due to their top-notch scores in areas including customer service and financial health, which shows that they pay claims on time.
Many companies offer discounts that can reduce your premiums by a significant amount. These discounts can range from bundling your home and auto policies to being a new home-buyer, having a clean driving record or being a member of a loyalty program.
Chubb has one of the lowest rates for homeowners insurance in New Jersey. It charges an average of $745 a year to cover a $250,000 dwelling at the base level. This coverage amount covers the cost of rebuilding your home following a covered disaster such as a tropical storm or hurricane.
The AI software in its mobile application and website allows for a quick and easy claim filing process. It donates the unclaimed premiums, while its $500 minimum deductable can help you get a better payout.
The mobile app allows you to easily manage your policy. It also has an extensive list of additional policies to suit your unique needs, such as medical payments and flood protection.
NJM offers the cheapest standard home insurance policies in New Jersey, with standard policies costing $802 per annum, or $67 a month. The average home insurance policy in New Jersey costs $802 per year, or $67 per month.