Homeowners Insurance New Jersey

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Average Homeowners Insurance in New Jersey: $840

Median Home Price in New Jersey: $275,000

New Jersey homeowners insurance rates in December 2013 stood at an average of $840 as compared to $840 in November 2013.

Insurance Premium Saving Tips in New Jersey

  • Bundle your insurance:

    Bundling home and car insurance in New Jersey with the same provider will have approximately $84 to $126 of savings in New Jersey

  • Safety Systems:

    Having safety systems at home can save up to $147 in New Jersey

  • New Home:

    If your home was built within the past 10 years in New Jersey, you could save up to $168

  • Senior Discounts:

    Senior citizens (55 or older) in New Jersey could save approximately $168

Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under1,955
$50,000 to $74,999417
$75,000 to $99,999518
$100,000 to $124,999571
$125,000 to $149,999631
$150,000 to $174,999691
$175,000 to $199,999748
$200,000 to $299,999860
$300,000 to $399,9991,026
$400,000 to $499,9991,197
$500,000 and Over1,669

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under134
$14,000 to $19,999112
$20,000 to $25,999139
$26,000 to $31,999154
$32,000 to $37,999151
$38,000 to $43,999180
$44,000 to $49,999191
$50,000 to $74,999219
$75,000 to $99,999 286
$100,000 and Over410

Average homeowners insurance by county

CountyHome Insurance Cost
Bergen County$762 to $1032
Monmouth County$747 to $1010
Middlesex County$731 to $990
Essex County$740 to $1003
Somerset County$748 to $1013
Passaic County$737 to $997
Hudson County$736 to $997
Ocean County$714 to $967
Camden County$699 to $947
Cape May County$726 to $986
Burlington County$710 to $962
Gloucester County$703 to $952
Cumberland County$688 to $932
Union County$739 to $1001
Mercer County$719 to $973
Morris County$759 to $1027
Salem County$694 to $940
Warren County$715 to $970
Sussex County$720 to $974
Atlantic County$708 to $957
Hunterdon County$751 to $1018

Recent home insurance reviews

Company: None,
Location: Ridgewood, New Jersey

I am not the primary decision maker for insurance decisions in my family but the policy that we currently have is one the that we have had for about twenty years. We have not had to use it for extreme damages in all the time we have had it. We are happy with the rates, and we are covered in a ll forms, I would rate our insurance policy at 4 out of 5 because we are very happy with our system and have thankfully not had to utilize it. Our house is located in Ridgewood, New Jersey and we have an additional property in Westhampton Beach, New York. The only way to improve our insurance policy would be to eradicate the rates entirley.

Company: None,
Location: Rockaway, New Jersey

I'm a married female age 49. We live in Rockaway, New Jersey in a split level home. We have NJ Manufacturing as our home insurance. Our house is 60 years old in a suburban neighborhood. We bought our house in 1998 for $157,000. It's now worth $360,000. We had a new roof added in 2000 as well as landscaping. We also put on a new deck. We don't have a security system, nor a swimming pool. It's a 4 bedroom houses with 1.5 bathrooms. Our home is located a block and a half away from the fire house. We like our insurance and would rate it a 5. We've been with this company for over 20 years. We are satisfied with our insurance presently. We have coverage worth $300,000 and pay around $400 a month. We don't bundle our auto insurance and home insurance.

Home Insurance Monthly Trends

The below graph compares New Jerseys home median prices against, renters and owners home insurance average rates in New Jersey.

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