NJM………………………….Not rated……………………..$49………………………………………..$588

What Home Insurance Covers In NJ

• Dwelling Protection

can pay for the expenses of rebuilding or fixing your home in the event of a covered disaster, such as a fire, hail, lightning, wind, or smoke.

• Personal Property

provides security for the possessions within and outside of your house in the event of a covered loss.

• Extended Replacement Cost

boosts your house insurance coverage up to 150%, acting as a safety measure to prevent expenses from going over budget.

• Additional Living Expenses

help with covering living expenses, such as meals and lodging, if a covered loss makes your home uninhabitable.

• Personal Liability Protection

helps cover costs for property damage or injuries to third parties that occur both on and off the grounds of your home if you are found legally liable.

• Guest Medical Protection

Provides medical payments to others if they accidentally get injured in or around your property.

• Identity Theft Protection

Helps cover expenses you incur as a result of criminal identity theft.

Things Insured By Home Insurance

Standard New Jersey house insurance coverage protect against harm from things like:

• Fire
• Vandalism and theft
• Lightning strikes
• Wind
• Hail
• Explosions
• Falling objects
• The weight of snow or ice

What Is the Average Price of Homeowners Insurance in New Jersey?

In New Jersey, the average cost of homeowners insurance is $775 per year, or about $64 per month.

In New Jersey, Is Homeowners Insurance Required?

No, homeowners insurance is not required by law in New Jersey. In order to qualify for a home loan, your mortgage lender will likely want you to obtain a certain amount of insurance coverage.

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