Homeowners Insurance NJ

Get a Quote
Discover savings with the AARP Homeowners Insurance Program from The Hartford.
Retrieve Saved Quote

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

Homeowners Insurance NJ Homeowners in the Garden State face a variety of risks throughout the year. From rain and snow storms 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, you can customize your coverage to get the best homeowners insurance in NJ for you.1
 
It doesn’t matter if you live near Atlantic City, Newark, Trenton or anywhere else. Our specialists can help protect New Jersey homes across the state and get you the right coverage that fits your homeowner insurance needs. Get a NJ homeowners insurance quote today and learn how we can help protect your house and belongings.
 

How Much Is Homeowners Insurance in NJ?

How much is homeowners insurance in NJ According to the Insurance Information Institute, the average cost of homeowners insurance in New Jersey in 2017 was $1,192. The national average was $1,211 and New Jersey was the 23rd most expensive state for home insurance.
 
Be aware that home insurance companies 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

Home insurance NJ There are many ways you can save on your home insurance in New Jersey. We offer five types of 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 and dead bolts, it can help lower your insurance premium. You can also qualify for this discount if you install safer locks on your doors or upgrade your smoke alarms.
 

Retiree Credit

Retirees and those who work less than 24 hours a week can receive a credit on their homeowners insurance policy.
 

Bundle Home & Auto Insurance

If you get an AARP auto and home insurance bundle, you can save up to 5% on your auto rate 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 smoke detectors, fire sprinkler systems and monitored alarms.
 

Claim-Free Discount

Going a year without filing a claim means you make safety a priority at your home and we want to reward you for that. The longer you go claims-free, the more you can save on your home insurance policy.
 

Types of New Jersey Homeowners Insurance Coverages

Best homeowners insurance NJ 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.
 
Our policy includes standard homeowners insurance coverages to help protect your home and belongings, such as:
 

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:
 
We also offer our Home Advantage and Home Advantage Plus packages, which includes coverages to increase your New Jersey home’s protection. Contact us at 877-422-2345 to learn more about these packages and which one may be right for you.
 

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.
 
We’re 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.
 
** 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.
3 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.
 
4 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.
 
Additional disclosures below.
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 Automobile 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 by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners 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 by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, 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 Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some 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 GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
Get a Quote