Best and Cheapest Homeowners Insurance in New Jersey for 2025 (10 Affordable Companies)

Insurance Company	Rank	A.M. Best	Best For	Jump to Pros/Cons
	#1		$82	A++	Military Membership	USAA
	#2		$86	A++	Online Efficiency	Geico
	#3		$96	A+	Competitive Pricing	Progressive
	#4		$81	B	Extensive Discounts	State Farm
	#5		$116	A	Loyalty Rewards	American Family
	#6		$90	A+	Bundle Options	Nationwide
	#7		$100	A++	Green Initiatives	Travelers
	#8		$60	A+	Claim-Free Benefits	Allstate
	#9		$118	A	Multiple Discounts	Farmers
	#10		$100	A	Flexible Plans	Liberty Mutual

It may seem unlikely that you'll have to file a homeowners insurance claim. But the reality is that there are many things that your home can experience that would require a claim. Having one of the best homeowners insurance companies in New Jersey can put your mind at ease that if something were to happen, it would be handled smoothly. It is important to understand your coverage options, what policies include, and the cost of homeowners insurance so you can get the best affordable homeowners insurance policy for you and your family.

To help you be more confident in your homeowners' insurance company choice, we have reviews and rankings for hundreds of homeowners insurance companies so you can evaluate and compare the best New Jersey home insurance companies. In the table above, you can sort through every homeowner's insurance company ranked on Clearsurance that's available in New Jersey. Next to each insurer, you'll find the company's rating, which is based exclusively on the reviews and ratings provided by customers. Note: Only those companies with at least 25 homeowners insurance reviews are eligible to appear in the best New Jersey homeowners insurance rankings.

It is important to understand both the company and their insurance products before choosing to purchase a policy through them. A talk with a licensed insurance agent should be able to answer any questions you might have. Possible questions to ask include: What is the average cost for a homeowners insurance policy? What are the policy limits? Is flood damage included in my policy? and Do you have replacement cost coverage?

If you're looking for additional information on one of the best homeowners insurance companies in New Jersey, you can visit the company's profile page where you'll learn about the company, additional coverage options, and potential discounts offered. You can also read reviews to see what other policyholders have to say about the home insurance company.

Rates

Insurance Company	$200k Policy	$300k Policy	$500k Policy
	$60	$81	$96
	$116	$149	$176
	$118	$174	$244
	$86	$99	$118
	$100	$150	$200
	$90	$156	$217
	$96	$118	$137
	$81	$101	$123
	$100	$172	$231
	$82	$106	$127

New Jersey Report Card: Homeowners Insurance Premiums

Discount

New Jersey Report Card: Homeowners Insurance Discounts

Insurance Company	Available Discount
	Drivewise Usage-Based Program, New Car, Safe Driver, Anti-Lock Brakes, Bundling, Responsible Payer
	Safe Driver, Bundling, Vehicle Safety Equipment, Young Driver, Annual Payment
	Signal Usage-Based Program, Good Student, Bundling, Mature Driver, Multi-Car
	Bundling, Good Driver, Defensive Driving Course, Anti-Theft Device, New Vehicle, Good Student, Emergency Deployment
	RightTrack Usage-Based Program, Early Shopping, Accident-Free, Bundling, Anti-Theft, New Car
	SmartRide Usage-Based Program, SmartMiles (Low-Mileage), Accident-Free, Bundling, Defensive Driving, New Vehicle
	Snapshot Usage-Based Program, Bundling, Multi-Car, Continuous Insurance, Teen Driver, Pay-in-Full, Homeowner
	Drive Safe & Save, Steer Clear (Young Drivers), Bundling, Accident-Free, Anti-Theft, Bundling
	IntelliDrive Usage-Based Program, Bundling, Hybrid/Electric Vehicle, Continuous Coverage, Good Payer
	Safe Driver, Bundling, Loyalty, Military Garaging, Defensive Driving Course, Family Legacy

Coverage Options for Homeowners Insurance in New Jersey

Homeowners in New Jersey can choose from standard coverage like dwelling, personal property, liability, and additional living expenses, plus specialized options for unique risks. Key add-ons include flood insurance for coastal areas, sewer backup, identity theft, and windstorm coverage for hurricanes and high winds. Snow and ice damage coverage protects homes during harsh winters. Common risks include hurricanes, tornadoes, and winter storms, though New Jersey is less prone to earthquakes. Below are the common claims in New Jersey highlight the importance of tailored coverage:

It's important to know what your homeowners' insurance policy will protect you from. Most policies cover wind damage, damage from a natural disaster, earthquake damage, and flood coverage .Make sure that these policies are included in your homeowners' insurance.

New Jersey Accidents & Claims per Year by City

Affordable rates and diverse coverage options provide peace of mind for homeowners facing New Jersey’s varied weather risks.

Homeowners Insurance Guide

Your home is likely your most valuable asset, making it that much more important that you insure your home with one of the best New Jersey homeowners insurance companies. But beyond just picking a company, it's crucial to have the right coverage and to understand that coverage. Did you know that a standard homeowners insurance policy has six types of coverage? And did you know that there are usually 16 types of perils found in a homeowners insurance policy? Do you know the difference between coverage options? All of this information is important when you're comparing policies, so you can pick the best insurer, the best insurance products, and pay the lowest insurance premium for your needs.

At Clearsurance, we want to make sure you have a strong understanding of your homeowners insurance coverage and what it all means. Check out our homeowners insurance guide to become a smarter insurance customer. And for more educational content on other homeowners insurance topics, check out our homeowners insurance blog!