{"id":325143,"date":"2025-11-14T08:07:14","date_gmt":"2025-11-14T13:07:14","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=96117"},"modified":"2025-11-14T08:55:41","modified_gmt":"2025-11-14T13:55:41","slug":"best-in-new-jersey","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-new-jersey\/","title":{"rendered":"The Best Homeowners Insurance in New Jersey of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Homeowners Insurance in New Jersey of 2025 Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>NJM, USAA, Selective, Chubb, and State Farm remain among New Jersey\u2019s notable homeowners insurers, balancing financial strength, coverage, and service.<\/li>\n\n\n\n<li>New Jersey\u2019s average homeowners premiums have risen since earlier studies; according to the <a href=\"https:\/\/content.naic.org\/publications\/dfho-summary.htm\">NAIC\u2019s latest homeowners report<\/a> (2022 data), the statewide average expenditure is in the mid-$900s per year, while 2025 consumer benchmarks for a standard HO-3 commonly range around $1,100\u2013$1,400 per year (for example, see <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/new-jersey-homeowners-insurance\/\">Bankrate\u2019s New Jersey guide<\/a>).<\/li>\n\n\n\n<li>If you\u2019re a new homeowner, State Farm could be a great choice, due to its online tools and resources and broad agent network; be sure to compare at least three quotes.<\/li>\n<\/ul>\n\n\n\n<p>New Jersey <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\">home insurance<\/a> isn\u2019t a legal requirement, but if you have a mortgage, buying and maintaining a policy is probably a condition of your loan terms. According to the <a href=\"https:\/\/content.naic.org\/publications\/dfho-summary.htm\">National Association of Insurance Commissioners<\/a>, New Jersey\u2019s latest official statewide average homeowners insurance expenditure (2022 data) is in the mid-$900s per year. Meanwhile, recent 2025 consumer rate studies estimate a typical standard HO-3 policy in New Jersey at roughly $1,100\u2013$1,400 annually, depending on assumptions and location (see <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/new-jersey-homeowners-insurance\/\">Bankrate<\/a> and similar benchmarks). If you\u2019re in the market for home insurance, Reviews.com compared providers to make the shopping process easier.<\/p>\n\n\n\n<p>Our team used current market research and a unique <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-new-jersey\/#methodology\">in-house methodology<\/a> \u2014 incorporating official data from the <a href=\"https:\/\/content.naic.org\/publications\/dfho-summary.htm\">NAIC<\/a>, customer satisfaction insights from <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\">J.D. Power\u2019s latest U.S. Home Insurance Study<\/a>, and financial strength ratings from AM Best \u2014 to compare discounts, coverage, and third-party evaluations and review leading New Jersey carriers. Based on our comparison, we found that New Jersey Manufacturers (NJM), USAA, Selective Insurance, Chubb, and State Farm are among the best home insurance carriers in the state. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Homeowners Insurance in New Jersey<\/h2>\n\n\n\n<ul>\n<li><a href=\"#njm\" rel=\"nofollow\" class=\"achor-toggles\">New Jersey Manufacturers:<\/a> Best New Jersey Home Insurance for Dividend Policies<\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA:<\/a> Best New Jersey Home Insurance for Military-Focused Coverage<\/li>\n\n\n\n<li><a href=\"#si\" rel=\"nofollow\" class=\"achor-toggles\">Selective Insurance:<\/a> Best New Jersey Home Insurance for Homeowners on a Budget<\/li>\n\n\n\n<li><a href=\"#chubb\" rel=\"nofollow\" class=\"achor-toggles\">Chubb:<\/a> Best New Jersey Home Insurance for High-Value Homes<\/li>\n\n\n\n<li><a href=\"#state\" rel=\"nofollow\" class=\"achor-toggles\">State Farm:<\/a> Best New Jersey Home Insurance for New Homeowners<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\t\t\n<section id=\"block_60be5a58a6284\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best New Jersey Home Insurance Companies <\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Premium**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s (S&#038;P) rates creditworthiness for businesses, countries and cities that issue bonds.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_60be5a58a6284-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">New Jersey Manufacturers (NJM)<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$355<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60be5a58a6284-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$757<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>889<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60be5a58a6284-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Selective Insurance<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$357<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>BBB<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60be5a58a6284-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Chubb<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$765<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>778<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60be5a58a6284-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$798<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2025<\/em><\/p>\n\n\n\n<p><em>Data sources include the <a href=\"https:\/\/content.naic.org\/publications\/dfho-summary.htm\">NAIC (latest statewide average expenditure)<\/a> and recent 2025 consumer rate studies such as <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/new-jersey-homeowners-insurance\/\">Bankrate<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Home Insurance Study<\/a>. Based on a 1,000-point scale. <\/em><\/p>\n\n\n\n            <span class=\"b-anchor\" id=\"njm\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best for Dividend Policies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">New Jersey Manufacturers (NJM)<\/h2>\n\n\n                                                \n\n\n<section id=\"new-jersey-manufacturers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">New Jersey Manufacturers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Dividend Policies<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                NJM is one of the few home insurance companies that offers dividend policies, which can help New Jersey homeowners recoup some of their paid premiums at the end of the year.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-new-jersey\/\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$355*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                NJM is one of the few home insurance companies that offers dividend policies, which can help New Jersey homeowners recoup some of their paid premiums at the end of the year.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Affordable average premiums<\/li>\n                            <li>Opportunity to receive dividends<\/li>\n                            <li>Wide variety of endorsements<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Not rated by J.D. Power<\/li>\n                                        <li>Fewer online tools and resources than some competitors<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Smoke alarm\/fire sprinkler system<\/li>\n<li>Retired homeowner<\/li>\n<li>Backup or portable generator<\/li>\n<li>Non-smoker<\/li>\n<li>Storm shutters and hurricane glass<\/li>\n<li>Pay in full<\/li>\n<li>Electronic payment<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Scheduled personal property coverage<\/li>\n<li>Credit card fraud coverage<\/li>\n<li>Valuable items coverage<\/li>\n<li>Identity theft fraud coverage<\/li>\n<li>Fungi, wet\/dry rot, and bacteria coverage<\/li>\n<li>Supplemental loss assessment coverage<\/li>\n<li>Water backup and sump pump coverage<\/li>\n<li>Earthquake insurance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More NJM Insurance Reviews<\/h4>\n                <div> <p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/#:~:text=In%20J.D.%20Power's%202019%20U.S.,insurance%20companies%20on%20the%20list.&amp;text=Policyholders%20can%20get%20new%20car,reimbursement%2C%20and%20even%20pet%20insurance.\">NJM Auto Insurance Review<\/a><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"usaa\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA is a highly-rated home insurance company in New Jersey, with excellent customer service, good coverage options, and affordable rates for active duty and retired military personnel.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$757*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">889**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA is a highly-rated home insurance company in New Jersey, with excellent customer service, good coverage options, and affordable rates for active duty and retired military personnel.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High customer satisfaction ratings<\/li>\n                            <li>Competitive prices<\/li>\n                            <li>Policies include replacement cost coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Must be affiliated with the military to get coverage<\/li>\n                                        <li>Not many discounts<\/li>\n                                        <li>Few local office branches<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\">Policy bundling<\/a><\/li>\n<li>Protective device<\/li>\n<li>Claims-free<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Home sharing insurance<\/li>\n<li>Identity theft coverage<\/li>\n<li>Earthquake insurance<\/li>\n<li>Flood insurance<\/li>\n<li>Military uniform coverage<\/li>\n<li>Valuable personal property coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA Home Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"si\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for Homeowners on a Budget\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Selective Insurance<\/h2>\n\n\n                                                \n\n\n<section id=\"selective-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Selective Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Homeowners on a Budget<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                According to our research, Selective has one of the cheapest average premiums for home insurance in New Jersey, just $357 per year, which is almost $400 cheaper than the state\u2019s average premium. Homeowners on tight budgets may want to get a quote from Selective.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=344230-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare Rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$357*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                According to our research, Selective has one of the cheapest average premiums for home insurance in New Jersey, just $357 per year, which is almost $400 cheaper than the state\u2019s average premium. Homeowners on tight budgets may want to get a quote from Selective.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Several endorsements available<\/li>\n                            <li>Cheap average premium<\/li>\n                            <li>Flood insurance policies available<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quotes<\/li>\n                                        <li>Not rated by J.D. Power<\/li>\n                                        <li>Few online tools and resources<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Home protection systems<\/li>\n<li>Quote in advance<\/li>\n<li>Responsible payer<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\"><\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Service line coverage<\/li>\n<li>Identity theft coverage<\/li>\n<li>Home cyber protection<\/li>\n<li>Home systems protection<\/li>\n<li>Selective Edge endorsement policy<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"chubb\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for High-Value Homes\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Chubb<\/h2>\n\n\n                                                \n\n\n<section id=\"chubb\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Chubb<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for High-Value Homes<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Chubb is one of the best insurance providers for high-value homes in New Jersey, with high available policy limits, unique specialty coverage options, efficient claim handling, and free services, like risk consulting.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_NJ_Chubb&#038;rvitemid=337968-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$765*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">778**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Chubb is one of the best insurance providers for high-value homes in New Jersey, with high available policy limits, unique specialty coverage options, efficient claim handling, and free services, like risk consulting.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Coverage options for high-value homes<\/li>\n                            <li>Variety of unique coverage types<\/li>\n                            <li>Policies come standard with a range of extra coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quote tool<\/li>\n                                        <li>Below-average customer satisfaction rating<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul>\n<li>Policy bundling<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Extended replacement cost coverage<\/li>\n<li>Risk consulting services<\/li>\n<li>Cash settlement option<\/li>\n<li>Tree\/debris removal<\/li>\n<li>Electronic data restoration<\/li>\n<li>Lock replacement coverage<\/li>\n<li>HomeScan coverage<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"state\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Best for New Homeowners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homeowners<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm has excellent online tools, resources, and calculators, which makes it a great option for first-time home insurance buyers in New Jersey, who may need help selecting the right type and amount of coverage for their needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$798*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm has excellent online tools, resources, and calculators, which makes it a great option for first-time home insurance buyers in New Jersey, who may need help selecting the right type and amount of coverage for their needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Robust and user-friendly website<\/li>\n                            <li>Detailed online quotes<\/li>\n                            <li>Helpful tools and resources for first-time home insurance buyers<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Not many discounts<\/li>\n                                        <li>Below-average claims satisfaction reviews<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul>\n<li>Multi-policy<br \/>\nHome safety device<br \/>\nImpact-resistant roof<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity restoration coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ordinance\/law coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal articles coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\"><span style=\"font-weight: 400;\">State Farm Homeowners Insurance Review<\/span><\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/state-farm-renters-review\/\">State Farm Renters Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"avg-in-nj\" title=\"Average Cost of Home Insurance in New Jersey\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in New Jersey<\/h2>\n\n\n\n<p>The average cost of home insurance in the Garden State is no longer in the $700s. According to the <a href=\"https:\/\/content.naic.org\/publications\/dfho-summary.htm\">NAIC\u2019s latest homeowners insurance report<\/a> (2022 data), New Jersey\u2019s average statewide homeowners expenditure is in the mid-$900s per year, and recent 2025 consumer benchmarks for a standard HO-3 commonly place typical premiums around $1,100\u2013$1,400 (for example, see <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/new-jersey-homeowners-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance-new-jersey\">NerdWallet<\/a>).<\/p>\n\n\n\n<p>However, it\u2019s important to keep in mind that home insurance quotes are personalized. You might pay more or less than the statewide average rate based on factors like your home\u2019s characteristics, ZIP code and coastal proximity, credit-based insurance score, coverage selections, deductibles, and claims history.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheapest\" title=\"The Cheapest Homeowner Insurance Companies in New Jersey\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Premium From Homeowners Insurance Companies in New Jersey<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>NJM<\/td><td>$355<\/td><\/tr><tr><td>Selective<\/td><td>$357<\/td><\/tr><tr><td>Cumberland Grp<\/td><td>$371<\/td><\/tr><tr><td>United Ins Holdings Grp<\/td><td>$501<\/td><\/tr><tr><td>Preferred Mutual<\/td><td>$528<\/td><\/tr><tr><td>NBIC Holdings Grp<\/td><td>$543<\/td><\/tr><tr><td>Tower Grp<\/td><td>$622<\/td><\/tr><tr><td>Travelers<\/td><td>$634<\/td><\/tr><tr><td>Kingstone Ins Co<\/td><td>$643<\/td><\/tr><tr><td>Franklin Mut Grp<\/td><td>$734<\/td><\/tr><tr><td>USAA<\/td><td>$757<\/td><\/tr><tr><td>Chubb<\/td><td>$765<\/td><\/tr><tr><td>State Farm<\/td><td>$798<\/td><\/tr><tr><td>Philadelphia Contributionship Grp<\/td><td>$823<\/td><\/tr><tr><td>ARX Holding Corp Grp<\/td><td>$894<\/td><\/tr><tr><td>Cabrillo Holding Grp<\/td><td>$903<\/td><\/tr><tr><td>Palisades<\/td><td>$924<\/td><\/tr><tr><td>Allstate<\/td><td>$951<\/td><\/tr><tr><td>The Hanover<\/td><td>$1,017<\/td><\/tr><tr><td>American Family<\/td><td>$1,142<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Based on $250,000 in dwelling coverage&nbsp;<\/em><\/p>\n\n\n\n<p>Statewide averages and modeled quotes have increased since prior samples. Drawing on the <a href=\"https:\/\/content.naic.org\/publications\/dfho-summary.htm\">NAIC\u2019s latest report<\/a> (2022) and 2025 consumer rate studies (e.g., <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/new-jersey-homeowners-insurance\/\">Bankrate<\/a>), New Jersey\u2019s statewide average expenditure is in the mid\u2011$900s, while standardized HO\u20113 profiles commonly average roughly $1,100\u2013$1,400. Some carriers \u2014 such as NJM and Selective \u2014 often price competitively for many profiles, but the cheapest company varies by ZIP code, home characteristics, and coverage choices.<\/p>\n\n\n\n<p>These are sample rates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits in the methodology are as follows:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-a\" title=\"Top 3 Cheapest Homeowner Insurance Companies in New Jersey\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowner Insurance Companies in New Jersey<\/h2>\n\n\n\n<ul>\n<li><strong>New Jersey Manufacturers (NJM): <\/strong>Often among the lower-cost options in NJ for many profiles; actual premiums vary by ZIP code, home characteristics, and coverage.<\/li>\n\n\n\n<li><strong>Selective:<\/strong> Frequently competitively priced for standard HO-3 policies; verify current quotes for your address and coverage needs.<\/li>\n\n\n\n<li><strong>Cumberland Group:<\/strong> Historically competitive for some homes in prior samples; current pricing will differ by risk factors.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-b\" title=\"Top 3 Most Expensive Homeowner Insurance Companies in New Jersey\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowner Insurance Companies in New Jersey<\/h2>\n\n\n\n<ul>\n<li><strong>American Family:<\/strong> Among the higher quotes in our historical sample for a $250,000 dwelling profile; actual premiums vary widely.<\/li>\n\n\n\n<li><strong>The Hanover:<\/strong> Often higher in past samples for some profiles; compare multiple quotes for current pricing.<\/li>\n\n\n\n<li><strong>Allstate:<\/strong> Can trend higher for certain locations or coverages; rates vary by risk and discounts.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"common-perils\" title=\"Common Home Insurance Perils in New Jersey \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">New Jersey Home Insurance Considerations<\/h2>\n\n\n\n<p>New Jersey\u2019s coastal position puts homes at risk for damage caused by hurricanes, flooding, storm surges, and high winds. Recent years have brought persistently high catastrophe losses in the U.S. \u2014 <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA counted a record 28 billion-dollar disasters in 2023<\/a> \u2014 contributing to upward pressure on homeowners rates and tighter underwriting, especially in coastal ZIP codes. Although home insurance may cover many wind-related perils, it\u2019s important to understand the potential risks and your policy\u2019s deductibles and triggers (e.g., hurricane or named-storm deductibles).<\/p>\n\n\n\n<p>Basic home insurance policies are fairly comprehensive and cover a long list of common losses. You can check your policy\u2019s <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-insurance-declaration-page\/\" class=\"achor-toggles\">declaration page<\/a> to see <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/guide-homeowners-insurance-coverage\/\" class=\"achor-toggles\">which perils are covered<\/a>. However, home insurance policies do not typically cover damage caused by floods. While other types of <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\" class=\"achor-toggles\">water damage<\/a> may be covered, you\u2019ll likely need to buy a separate policy for flood insurance. Many companies can assist you in purchasing coverage through the National Flood Insurance Program (NFIP), which now prices risk under FEMA\u2019s <a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">Risk Rating 2.0<\/a> methodology with most annual increases capped, and there are some insurance companies that sell their own flood insurance.&nbsp;<\/p>\n\n\n\n<p>If you keep valuable items in your home, you might also consider purchasing scheduled personal property coverage. This endorsement raises your coverage limits for specific valuable items, like fine art, jewelry, furs, collections, and even wine. It\u2019s available from most insurance companies in New Jersey.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for New Jersey Homeowners<\/h2>\n\n\n\n<p>Before you purchase home insurance in New Jersey, you might want to consider reviewing these state-sponsored resources for more information:<\/p>\n\n\n\n<ul>\n<li>NJ Department of Banking and Insurance\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.state.nj.us\/dobi\/division_consumers\/pdf\/insuringyourhome.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Consumer Home Insurance Guide<\/a><\/li>\n\n\n\n<li>NJ Department of Banking and Insurance\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.state.nj.us\/dobi\/division_consumers\/insurance\/homeownersummaries\/homeowners.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Home Insurance Policy Summary<\/a><\/li>\n\n\n\n<li>NJ Department of Banking and Insurance\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.state.nj.us\/dobi\/division_consumers\/insurance\/homeownercontacts.htm\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Licensed Home Insurance Underwriters in New Jersey<\/a><\/li>\n\n\n\n<li>National Flood Insurance Program (NFIP) <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.floodsmart.gov\/flood-insurance\/buy\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">How to Buy Flood Insurance<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"New Jersey Home Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">New Jersey Home Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_60be630aa6302\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is homeowners insurance in NJ?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average home insurance premium in New Jersey is $751 per year. <\/span><span style=\"font-weight: 400;\">However, remember that home insurance rates are personalized for every homeowner based on factors like age, credit score, and ZIP code.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60be6315a6303\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest homeowners insurance in NJ?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on Bankrate\u2019s data, the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\"><span style=\"font-weight: 400;\">cheapest homeowners insurance<\/span><\/a><span style=\"font-weight: 400;\"> in NJ is from NJM, with an average annual premium of $355.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60be6320a6304\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is NJM a good home insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes, NJM is one of the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\"><span style=\"font-weight: 400;\">best home insurance companies<\/span><\/a><span style=\"font-weight: 400;\"> in New Jersey. The company has great endorsements, good discounts, and low rates. Plus, New Jersey homeowners have the opportunity to receive dividends through NJM.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60be6329a6305\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the greatest risk to New Jersey homes?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">New Jersey homeowners face a variety of risks, but some of the biggest are severe weather, like hurricanes, flooding, and wind storms. It\u2019s important for homeowners in New Jersey to make sure they have the right type of coverage to protect their home and personal items in the event of a natural disaster.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology&nbsp;<\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience and financial stability, as well as coverage options, to determine which might be the best providers.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li>\n\n\n\n<li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 National Complaint Index and compared each homeowners insurance company\u2019s complaint rating (see the <a href=\"https:\/\/content.naic.org\/consumer-resources\/consumer-complaint-index\">NAIC Consumer Complaint Index<\/a>).<\/li>\n\n\n\n<li>Customer Satisfaction: With J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Home Insurance Study<\/a>, we assigned a score to each company based on the rating it received.<\/li>\n\n\n\n<li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company\u2019s financial stability.<\/li>\n\n\n\n<li>Discounts: We reviewed and compared the number of discounts advertised on each home insurance company\u2019s website. The more available discounts, the higher the score in this metric.<\/li>\n<\/ul>\n\n\n\n<p>Rates references include the NAIC\u2019s latest statewide average expenditures and recent 2025 consumer market studies (e.g., <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/new-jersey-homeowners-insurance\/\">Bankrate<\/a>) using standardized HO-3 profiles. These are sample figures and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report New Jersey home insurance isn\u2019t a legal requirement, but if you have a mortgage, buying and maintaining a policy is probably a condition of your loan terms. According to the National Association of Insurance Commissioners, New Jersey\u2019s latest official statewide average homeowners insurance expenditure (2022 data) is in the mid-$900s per year. Meanwhile, [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362365,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[21174,21910],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Home Insurance Companies in New Jersey 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"We looked at the biggest home insurance companies in NJ by market share, and then analyzed them based on coverage, premium, discounts and customer service.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-new-jersey\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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