Best New Jersey Homeowners Insurance for 2026
NJM has low rates and good service, though Cumberland Mutual may be cheaper
- NJM’s prices and ratings help make it New Jersey’s best home insurance company.
- Homeowners insurance costs an average of $1,606 a year in New Jersey.
- New Jersey home insurance rates have gone up by 33% over the past five years.
- These increases are largely the result of severe weather and rising construction costs.
New Jersey’s best homeowners insurance
NJM’s prices and coverage options make it the best homeowners insurance company for most people in New Jersey. Other stand-outs are Cumberland Mutual, which has the cheapest rates, Selective and Chubb.
NJM and Chubb are especially noteworthy for their excellent complaint scores from the National Association of Insurance Commissioners (NAIC)
Best overall: NJM
Average annual rate: $1,164
Why we chose it
NJM’s excellent rates and ratings mean you can trust it to protect your home at an affordable price. It also has a great 0.3 complaint score
Who it’s best for
Most homeowners. NJM’s add-ons include multiple coverage options for valuables like jewelry and protection from some HOA assessments. Low car insurance rates can make NJM an affordable option for bundlers, too.
Pros
- Charges 28% less than state average
- Excellent NAIC complaint rating
- Useful add-ons for extra protection
Cons
- Cumberland Mutual and State Farm are cheaper
Best for cheap rates : Cumberland Mutual
Average annual rate: $1,056
Why we chose it
It’s tough to ignore a company that charges 34% less than the state average for home insurance. While its complaint score is just average, it still beats some larger companies.
Who it’s best for
Value seekers. Cumberland Mutual’s discounts for bundling, home security systems and newer homes help make its rates even more affordable. Cumberland Mutual doesn’t offer as many add-on coverages as NJM. However, its optional protections for sewer and drain backups
Pros
- Cheapest home insurance in New Jersey
- Better complaint score than State Farm and Allstate
- Discounts for newer homes
Cons
- Complaint rating is just average
- Fewer customizable add-ons than NJM
Best for water damage protection: Selective
Average annual rate: $1,317
Why we chose it
In addition to somewhat low rates, Selective offers a few different coverage options for water damage caused by flooding or groundwater seepage that most other companies don’t. Its inland flood protection provides a basic level of flood protection for homes in low- to moderate-risk flood zones. The company also works with the federal government and Neptune Flood to get you full-fledged flood insurance.
Who it’s best for
Homeowners with finished basements. Selective is one of the few companies that offers coverage for groundwater seepage into your home or basement.
Pros
- Rates are 18% less than the state average
- Multiple coverage options for water damage
- Other customizable coverage options available
Cons
- Seepage coverage only available with upgrade packages
- Worse-than-average complaint score
Best for high-value homes: Chubb
Average annual rate: $1,735 (with $550,000 coverage)
Why we chose it
Chubb is one of the few companies that insures homes for more than $1.5 million. It also offers excellent coverage options and customer service.
Who it’s best for
Luxury homes. Chubb’s rates for the highest home values in our analysis are below the state averages. Chubb policies also include coverage options that cost extra with most other companies. For example, it will cover rebuild costs above your policy’s limit
Pros
- Coverage available for multimillion-dollar homes
- Excellent NAIC complaint rating
- Useful add-ons included at no extra charge
Cons
- Only available for high-value homes
- Online quotes not available
Compare New Jersey home insurance rates and ratings
Rates always vary by customer. Be sure to compare home insurance quotes from multiple companies to find the cheapest rate for your situation.
| Insurance company | Annual rate* | LendingTree score | NAIC complaint rating* | |
|---|---|---|---|---|
| Cumberland Mutual | $1,056 | 4/5 | 1.0 |
 | State Farm | $1,155 | 4/5 | 1.4 |
| NJM | $1,164 | 4.5/5 | 0.3 |
 | Allstate | $1,205 | 4/5 | 1.2 |
| Selective | $1,317 | 4/5 | 0.4 |
 | Franklin Mutual | $1,406 |  3.5/5 | 2.9 |
 | Narragansett Bay | $1,607 |  3/5 | 0.2 |
 | Progressive | $1,820 | 3.5/5 | 1.8 |
 | Plymouth Rock | $3,478 | 3.5/5 | 0.2 |
 | USAA** | $1,847 | 4/5 | 0.5 |
 | Chubb** | NA | 4/5 | 0.1 |
**USAA is only available to current and former military service members, their spouses, children of USAA members and certain federal employees. Chubb only focuses on high-value homes.
LendingTree analyzed thousands of quotes from top insurers across New Jersey to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in New Jersey?
Homeowners insurance costs an average of $1,606 a year in New Jersey, or $134 a month. This is 39% less than the national average of $219 a month. The actual price you pay depends on factors like your location, credit and the amount of coverage you need.
For example, it costs an average of $2,070 a year to insure a home in New Jersey for $550,000. This is 29% higher than what it would cost for a $400,000 home. Most people need to insure their home at its replacement value
Insurance rates by coverage amounts
| Company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| Cumberland Mutual | $814 | $1,056 | $1,468 | $2,037 |
| NJM | $934 | $1,164 | $1,520 | $2,000 |
| Selective | $1,050 | $1,317 | $1,759 | $2,272 |
| Chubb* | NA | NA | $1,735 | $2,380 |
| State average | $1,314 | $1,606 | $2,070 | $2,721 |
New Jersey home insurance rates by city
Home insurance has become especially expensive in New Jersey’s coastal areas. Insurance companies have raised their rates to keep up with the costs of repairing and rebuilding homes damaged by severe storms.
With an average premium of $2,785 per year, the Jersey Shore city of Brigantine has the most expensive home insurance among the state’s cities and towns. This is 73% higher than the state average. In contrast, homeowners in Hibernia pay $1,151 a year, or 28% less than the state average.
| City | Annaul rate |
|---|---|
| Absecon | $2,077 |
| Adelphia | $1,747 |
| Allendale | $1,310 |
| Allenhurst | $2,272 |
| Allentown | $1,486 |
| Allenwood | $1,691 |
| Alpha | $1,251 |
| Alpine | $1,417 |
| Andover | $1,312 |
| Annandale | $1,224 |
| Asbury | $1,246 |
| Asbury Park | $2,064 |
| Ashland | $1,607 |
| Atco | $1,711 |
| Atlantic City | $2,752 |
| Atlantic Highlands | $2,047 |
| Audubon | $1,559 |
| Audubon Park | $1,558 |
| Augusta | $1,260 |
| Avalon | $2,437 |
| Avenel | $1,329 |
| Avon-by-the-Sea | $2,269 |
| Baptistown | $1,207 |
| Barclay | $1,596 |
| Barnegat | $2,046 |
| Barnegat Light | $2,659 |
| Barrington | $1,556 |
| Basking Ridge | $1,194 |
| Bay Head | $2,351 |
| Bayonne | $1,519 |
| Bayville | $2,016 |
| Beach Haven | $2,667 |
| Beach Haven West | $2,054 |
| Beachwood | $1,796 |
| Beattystown | $1,225 |
| Beckett | $1,573 |
| Bedminster | $1,198 |
| Belford | $1,855 |
| Belle Mead | $1,227 |
| Belleville | $1,451 |
| Bellmawr | $1,563 |
| Belmar | $2,052 |
| Belvidere | $1,254 |
| Bergenfield | $1,363 |
| Berkeley Heights | $1,298 |
| Berlin | $1,675 |
| Bernardsville | $1,179 |
| Beverly | $1,591 |
| Birmingham | $1,629 |
| Blackwells Mills | $1,274 |
| Blackwood | $1,644 |
| Blairstown | $1,308 |
| Blawenburg | $1,206 |
| Bloomfield | $1,441 |
| Bloomingdale | $1,344 |
| Bloomsbury | $1,243 |
| Bogota | $1,354 |
| Boonton | $1,220 |
| Bordentown | $1,486 |
| Bound Brook | $1,251 |
| Bradley Beach | $2,267 |
| Bradley Gardens | $1,218 |
| Branchville | $1,320 |
| Brass Castle | $1,242 |
| Brick | $1,945 |
| Bridgeport | $1,580 |
| Bridgeton | $1,706 |
| Bridgewater | $1,217 |
| Brielle | $2,112 |
| Brigantine | $2,785 |
| Broadway | $1,218 |
| Brookdale | $1,437 |
| Brooklawn | $1,598 |
| Brookside | $1,172 |
| Browns Mills | $1,637 |
| Brownville | $1,346 |
| Budd Lake | $1,228 |
| Buena | $1,803 |
| Burlington | $1,569 |
| Butler | $1,236 |
| Buttzville | $1,204 |
| Caldwell | $1,428 |
| Califon | $1,214 |
| Camden | $1,661 |
| Cape May | $2,274 |
| Cape May Court House | $1,998 |
| Cape May Point | $2,268 |
| Carlstadt | $1,344 |
| Carneys Point | $1,607 |
| Carteret | $1,369 |
| Cedar Brook | $1,668 |
| Cedar Glen Lakes | $1,564 |
| Cedar Glen West | $1,567 |
| Cedar Grove | $1,396 |
| Cedar Knolls | $1,226 |
| Cedarville | $1,749 |
| Changewater | $1,203 |
| Chatham | $1,250 |
| Chatsworth | $1,604 |
| Cherry Hill | $1,590 |
| Cherry Hill Mall | $1,589 |
| Chesilhurst | $1,700 |
| Chester | $1,204 |
| Chesterfield | $1,476 |
| Clark | $1,298 |
| Clarksboro | $1,513 |
| Clayton | $1,605 |
| Clearbrook Park | $1,295 |
| Clementon | $1,668 |
| Cliffside Park | $1,369 |
| Cliffwood | $1,694 |
| Cliffwood Beach | $1,785 |
| Clifton | $1,378 |
| Clinton | $1,238 |
| Closter | $1,383 |
| Collingswood | $1,575 |
| Cologne | $1,776 |
| Colonia | $1,280 |
| Colts Neck | $1,584 |
| Columbia | $1,282 |
| Columbus | $1,513 |
| Concordia | $1,295 |
| Convent Station | $1,164 |
| Cookstown | $1,506 |
| Country Lake Estates | $1,640 |
| Cranbury | $1,301 |
| Crandon Lakes | $1,318 |
| Cranford | $1,305 |
| Cream Ridge | $1,554 |
| Cresskill | $1,363 |
| Crestwood Village | $1,572 |
| Dayton | $1,323 |
| Deal | $2,262 |
| Deepwater | $1,577 |
| Deerfield Street | $1,744 |
| Delaware Park | $1,250 |
| Delmont | $1,842 |
| Demarest | $1,370 |
| Dennisville | $1,978 |
| Denville | $1,214 |
| Dividing Creek | $1,836 |
| Dorchester | $1,735 |
| Dorothy | $1,790 |
| Dover | $1,208 |
| Dover Beaches North | $2,543 |
| Dover Beaches South | $2,548 |
| Dumont | $1,365 |
| Dunellen | $1,276 |
| East Brunswick | $1,309 |
| East Franklin | $1,272 |
| East Freehold | $1,551 |
| East Hanover | $1,264 |
| East Newark | $1,572 |
| East Orange | $1,793 |
| East Rutherford | $1,319 |
| Eatontown | $1,679 |
| Echelon | $1,686 |
| Edgewater | $1,344 |
| Edison | $1,302 |
| Egg Harbor City | $1,829 |
| Egg Harbor Township | $1,869 |
| Elizabeth | $1,467 |
| Elizabethport | $1,477 |
| Ellisburg | $1,578 |
| Elmer | $1,697 |
| Elmwood Park | $1,343 |
| Elwood | $1,861 |
| Emerson | $1,339 |
| Englewood | $1,386 |
| Englewood Cliffs | $1,410 |
| Englishtown | $1,572 |
| Erma | $2,227 |
| Essex Fells | $1,420 |
| Estell Manor | $1,781 |
| Ewan | $1,521 |
| Fair Haven | $1,781 |
| Fair Lawn | $1,327 |
| Fairfield | $1,414 |
| Fairton | $1,693 |
| Fairview | $1,507 |
| Fanwood | $1,286 |
| Far Hills | $1,199 |
| Farmingdale | $1,546 |
| Fieldsboro | $1,490 |
| Finderne | $1,221 |
| Flagtown | $1,244 |
| Flanders | $1,210 |
| Flemington | $1,222 |
| Florence | $1,507 |
| Florham Park | $1,218 |
| Folsom | $1,801 |
| Fords | $1,355 |
| Forked River | $2,230 |
| Fort Dix | $1,552 |
| Fort Lee | $1,357 |
| Fort Monmouth | $1,629 |
| Fortescue | $1,871 |
| Franklin | $1,270 |
| Franklin Center | $1,268 |
| Franklin Lakes | $1,304 |
| Franklin Park | $1,291 |
| Franklinville | $1,614 |
| Freehold | $1,550 |
| Frenchtown | $1,243 |
| Garfield | $1,316 |
| Garwood | $1,271 |
| Gibbsboro | $1,675 |
| Gibbstown | $1,567 |
| Gillette | $1,224 |
| Gladstone | $1,220 |
| Glassboro | $1,637 |
| Glasser | $1,221 |
| Glen Gardner | $1,217 |
| Glen Ridge | $1,433 |
| Glen Rock | $1,298 |
| Glendora | $1,551 |
| Glenwood | $1,286 |
| Gloucester City | $1,599 |
| Golden Triangle | $1,580 |
| Goshen | $2,059 |
| Great Meadows | $1,263 |
| Green Creek | $2,072 |
| Green Knoll | $1,221 |
| Green Village | $1,223 |
| Greendell | $1,263 |
| Greentree | $1,611 |
| Greenwich | $1,483 |
| Grenloch | $1,613 |
| Groveville | $1,437 |
| Guttenberg | $1,509 |
| Hackensack | $1,364 |
| Hackettstown | $1,222 |
| Haddon Heights | $1,508 |
| Haddonfield | $1,555 |
| Hainesport | $1,610 |
| Haledon | $1,449 |
| Hamburg | $1,295 |
| Hamilton Square | $1,445 |
| Hammonton | $1,838 |
| Hampton | $1,232 |
| Hancocks Bridge | $1,698 |
| Harrington Park | $1,359 |
| Harrison | $1,574 |
| Harrisonville | $1,660 |
| Harvey Cedars | $2,648 |
| Hasbrouck Heights | $1,346 |
| Haskell | $1,356 |
| Haworth | $1,354 |
| Hawthorne | $1,346 |
| Hazlet | $1,744 |
| Heathcote | $1,326 |
| Heislerville | $1,856 |
| Helmetta | $1,315 |
| Hewitt | $1,385 |
| Hi-Nella | $1,579 |
| Hibernia | $1,151 |
| High Bridge | $1,209 |
| Highland Lakes | $1,336 |
| Highland Park | $1,309 |
| Highlands | $2,311 |
| Hightstown | $1,392 |
| Hillsborough | $1,242 |
| Hillsdale | $1,327 |
| Hillside | $1,404 |
| Ho-Ho-Kus | $1,300 |
| Hoboken | $1,515 |
| Holiday City South | $1,756 |
| Holiday City-Berkeley | $1,751 |
| Holiday Heights | $1,751 |
| Holmdel | $1,748 |
| Hopatcong | $1,294 |
| Hopewell | $1,324 |
| Howell | $1,582 |
| Imlaystown | $1,542 |
| Interlaken | $2,073 |
| Ironia | $1,186 |
| Irvington | $1,591 |
| Iselin | $1,341 |
| Island Heights | $2,088 |
| Jackson | $1,530 |
| Jamesburg | $1,292 |
| Jersey City | $1,715 |
| Jobstown | $1,552 |
| Johnsonburg | $1,244 |
| Joint Base Mdl | $1,547 |
| Juliustown | $1,538 |
| Keansburg | $2,016 |
| Kearny | $1,522 |
| Keasbey | $1,361 |
| Kendall Park | $1,317 |
| Kenilworth | $1,331 |
| Kenvil | $1,212 |
| Keyport | $1,797 |
| Kingston | $1,297 |
| Kingston Estates | $1,595 |
| Kinnelon | $1,236 |
| Lafayette | $1,283 |
| Lake Como | $2,055 |
| Lake Hiawatha | $1,278 |
| Lake Hopatcong | $1,242 |
| Lake Mohawk | $1,282 |
| Lakehurst | $1,533 |
| Lakewood | $1,543 |
| Lambertville | $1,298 |
| Landing | $1,237 |
| Landisville | $1,783 |
| Lanoka Harbor | $2,248 |
| Laurel Lake | $1,763 |
| Laurel Springs | $1,676 |
| Laurence Harbor | $1,543 |
| Lavallette | $2,541 |
| Lawnside | $1,668 |
| Lawrence Township | $1,491 |
| Lawrenceville | $1,491 |
| Layton | $1,311 |
| Lebanon | $1,290 |
| Ledgewood | $1,220 |
| Leeds Point | $1,947 |
| Leesburg | $1,839 |
| Leisure Knoll | $1,571 |
| Leisure Village | $1,564 |
| Leisure Village East | $1,574 |
| Leisure Village West | $1,572 |
| Leisuretowne | $1,717 |
| Leonardo | $1,926 |
| Leonia | $1,376 |
| Liberty Corner | $1,202 |
| Lincoln Park | $1,295 |
| Lincroft | $1,598 |
| Linden | $1,381 |
| Lindenwold | $1,674 |
| Linwood | $2,109 |
| Little Falls | $1,384 |
| Little Ferry | $1,370 |
| Little Silver | $1,741 |
| Little York | $1,206 |
| Livingston | $1,404 |
| Lodi | $1,323 |
| Long Branch | $2,196 |
| Long Valley | $1,202 |
| Longport | $2,638 |
| Lumberton | $1,581 |
| Lyndhurst | $1,363 |
| Lyons | $1,185 |
| Madison | $1,229 |
| Madison Park | $1,415 |
| Magnolia | $1,562 |
| Mahwah | $1,295 |
| Malaga | $1,633 |
| Manahawkin | $2,054 |
| Manasquan | $2,112 |
| Manchester Township | $1,564 |
| Mantoloking | $2,398 |
| Mantua | $1,528 |
| Manville | $1,256 |
| Maple Shade | $1,546 |
| Maplewood | $1,495 |
| Margate City | $2,676 |
| Marlboro | $1,545 |
| Marlton | $1,536 |
| Marmora | $2,138 |
| Martinsville | $1,223 |
| Matawan | $1,568 |
| Mauricetown | $1,773 |
| Mays Landing | $1,759 |
| Maywood | $1,327 |
| Mc Afee | $1,348 |
| McGuire AFB | $1,535 |
| Medford | $1,629 |
| Medford Lakes | $1,629 |
| Mendham | $1,208 |
| Mercerville | $1,473 |
| Merchantville | $1,636 |
| Metuchen | $1,310 |
| Mickleton | $1,497 |
| Middlebush | $1,274 |
| Middlesex | $1,265 |
| Middletown | $1,777 |
| Middleville | $1,225 |
| Midland Park | $1,295 |
| Milford | $1,246 |
| Millburn | $1,445 |
| Millington | $1,209 |
| Millstone | $1,246 |
| Millstone Township | $1,541 |
| Milltown | $1,300 |
| Millville | $1,762 |
| Milmay | $1,853 |
| Mine Hill | $1,212 |
| Minotola | $1,734 |
| Mizpah | $1,777 |
| Monmouth Beach | $2,292 |
| Monmouth Junction | $1,310 |
| Monroe Township | $1,295 |
| Monroeville | $1,678 |
| Montague | $1,310 |
| Montclair | $1,460 |
| Montvale | $1,322 |
| Montville | $1,255 |
| Moonachie | $1,358 |
| Moorestown | $1,510 |
| Moorestown-Lenola | $1,505 |
| Morganville | $1,567 |
| Morris Plains | $1,222 |
| Morristown | $1,192 |
| Mount Arlington | $1,235 |
| Mount Ephraim | $1,563 |
| Mount Freedom | $1,182 |
| Mount Holly | $1,608 |
| Mount Laurel | $1,529 |
| Mount Royal | $1,543 |
| Mount Tabor | $1,199 |
| Mountain Lake | $1,262 |
| Mountain Lakes | $1,223 |
| Mountainside | $1,316 |
| Mullica Hill | $1,514 |
| Mystic Island | $2,074 |
| National Park | $1,565 |
| Navesink | $2,038 |
| Neptune | $2,004 |
| Neptune City | $2,004 |
| Neshanic Station | $1,232 |
| Netcong | $1,222 |
| New Brunswick | $1,318 |
| New Egypt | $1,557 |
| New Gretna | $1,761 |
| New Lisbon | $1,625 |
| New Milford | $1,350 |
| New Providence | $1,310 |
| New Vernon | $1,185 |
| Newark | $1,788 |
| Newfield | $1,638 |
| Newfoundland | $1,295 |
| Newport | $1,841 |
| Newton | $1,312 |
| Newtonville | $1,815 |
| Norma | $1,657 |
| Normandy Beach | $2,424 |
| North Arlington | $1,362 |
| North Beach Haven | $2,642 |
| North Bergen | $1,527 |
| North Brunswick | $1,334 |
| North Caldwell | $1,429 |
| North Cape May | $2,251 |
| North Haledon | $1,445 |
| North Middletown | $1,778 |
| North Plainfield | $1,331 |
| North Wildwood | $2,419 |
| Northfield | $2,063 |
| Northvale | $1,397 |
| Norwood | $1,362 |
| Nutley | $1,405 |
| Oak Ridge | $1,249 |
| Oak Valley | $1,526 |
| Oakhurst | $2,000 |
| Oakland | $1,290 |
| Oaklyn | $1,562 |
| Ocean Acres | $2,019 |
| Ocean City | $2,468 |
| Ocean Gate | $2,215 |
| Ocean Grove | $2,164 |
| Ocean View | $2,139 |
| Oceanport | $2,044 |
| Oceanville | $1,968 |
| Ogdensburg | $1,276 |
| Old Bridge | $1,340 |
| Old Tappan | $1,356 |
| Oldwick | $1,228 |
| Olivet | $1,700 |
| Oradell | $1,354 |
| Orange | $1,593 |
| Oxford | $1,242 |
| Palisades Park | $1,357 |
| Palmyra | $1,497 |
| Panther Valley | $1,225 |
| Paramus | $1,346 |
| Park Ridge | $1,324 |
| Parlin | $1,383 |
| Parsippany | $1,270 |
| Passaic | $1,579 |
| Paterson | $1,665 |
| Paulsboro | $1,530 |
| Peapack | $1,203 |
| Pedricktown | $1,565 |
| Pemberton | $1,575 |
| Pemberton Heights | $1,569 |
| Pennington | $1,363 |
| Penns Grove | $1,607 |
| Pennsauken | $1,633 |
| Pennsville | $1,611 |
| Pequannock | $1,248 |
| Perth Amboy | $1,425 |
| Phillipsburg | $1,252 |
| Picatinny Arsenal | $1,203 |
| Pine Beach | $1,902 |
| Pine Brook | $1,284 |
| Pine Hill | $1,677 |
| Pine Lake Park | $1,743 |
| Pine Ridge at Crestwood | $1,564 |
| Piscataway | $1,317 |
| Pitman | $1,619 |
| Pittstown | $1,235 |
| Plainfield | $1,338 |
| Plainsboro | $1,306 |
| Plainsboro Center | $1,306 |
| Pleasantville | $2,141 |
| Pluckemin | $1,208 |
| Point Pleasant | $2,343 |
| Point Pleasant Beach | $2,351 |
| Pomona | $1,961 |
| Pompton Lakes | $1,340 |
| Pompton Plains | $1,247 |
| Port Elizabeth | $1,699 |
| Port Monmouth | $1,867 |
| Port Murray | $1,219 |
| Port Norris | $1,762 |
| Port Reading | $1,388 |
| Port Republic | $2,094 |
| Pottersville | $1,204 |
| Presidential Lakes Estates | $1,640 |
| Princeton | $1,327 |
| Princeton Junction | $1,356 |
| Princeton Meadows | $1,306 |
| Prospect Park | $1,449 |
| Quakertown | $1,206 |
| Rahway | $1,341 |
| Ramblewood | $1,530 |
| Ramsey | $1,283 |
| Ramtown | $1,582 |
| Rancocas | $1,575 |
| Randolph | $1,201 |
| Raritan | $1,225 |
| Red Bank | $1,665 |
| Richland | $1,772 |
| Richwood | $1,515 |
| Ridgefield | $1,349 |
| Ridgefield Park | $1,374 |
| Ridgewood | $1,329 |
| Ringoes | $1,265 |
| Ringwood | $1,316 |
| Rio Grande | $2,097 |
| River Edge | $1,330 |
| Riverdale | $1,260 |
| Riverside | $1,546 |
| Riverton | $1,537 |
| Robbinsville | $1,445 |
| Robertsville | $1,555 |
| Rochelle Park | $1,342 |
| Rockaway | $1,214 |
| Rockleigh | $1,398 |
| Rocky Hill | $1,217 |
| Roebling | $1,514 |
| Roosevelt | $1,558 |
| Roseland | $1,405 |
| Roselle | $1,338 |
| Roselle Park | $1,323 |
| Rosemont | $1,281 |
| Rosenhayn | $1,699 |
| Rossmoor | $1,294 |
| Rumson | $2,164 |
| Runnemede | $1,605 |
| Rutherford | $1,344 |
| Saddle Brook | $1,340 |
| Saddle River | $1,301 |
| Salem | $1,642 |
| Sayreville | $1,363 |
| Schooleys Mountain | $1,171 |
| Scotch Plains | $1,301 |
| Sea Bright | $2,185 |
| Sea Girt | $2,289 |
| Sea Isle City | $2,417 |
| Seabrook Farms | $1,703 |
| Seaside Heights | $2,548 |
| Seaside Park | $2,659 |
| Secaucus | $1,483 |
| Sergeantsville | $1,276 |
| Sewaren | $1,404 |
| Sewell | $1,600 |
| Shark River Hills | $1,982 |
| Shiloh | $1,688 |
| Ship Bottom | $2,633 |
| Short Hills | $1,439 |
| Shrewsbury | $1,679 |
| Sicklerville | $1,711 |
| Silver Lake | $1,451 |
| Silver Ridge | $1,756 |
| Singac | $1,384 |
| Six Mile Run | $1,274 |
| Skillman | $1,247 |
| Smithville | $2,043 |
| Society Hill | $1,317 |
| Somerdale | $1,573 |
| Somers Point | $2,123 |
| Somerset | $1,270 |
| Somerville | $1,222 |
| South Amboy | $1,419 |
| South Bound Brook | $1,242 |
| South Dennis | $2,056 |
| South Hackensack | $1,363 |
| South Orange | $1,520 |
| South Plainfield | $1,290 |
| South River | $1,318 |
| South Seaville | $2,060 |
| South Toms River | $1,765 |
| Sparta | $1,263 |
| Spotswood | $1,306 |
| Spring Lake | $2,240 |
| Spring Lake Heights | $2,189 |
| Springdale | $1,614 |
| Springfield | $1,334 |
| Stanhope | $1,290 |
| Stanton | $1,226 |
| Stewartsville | $1,265 |
| Stirling | $1,207 |
| Stockholm | $1,266 |
| Stockton | $1,253 |
| Stone Harbor | $2,444 |
| Stratford | $1,655 |
| Strathmere | $2,549 |
| Strathmore | $1,577 |
| Succasunna | $1,216 |
| Summit | $1,357 |
| Surf City | $2,633 |
| Sussex | $1,312 |
| Swartswood | $1,229 |
| Swedesboro | $1,570 |
| Teaneck | $1,376 |
| Ten Mile Run | $1,322 |
| Tenafly | $1,397 |
| Tennent | $2,085 |
| Teterboro | $1,328 |
| Thorofare | $1,530 |
| Three Bridges | $1,202 |
| Tinton Falls | $1,872 |
| Titusville | $1,373 |
| Toms River | $1,964 |
| Totowa | $1,388 |
| Towaco | $1,247 |
| Township Of Washington | $1,361 |
| Tranquility | $1,245 |
| Trenton | $1,610 |
| Tuckahoe | $2,130 |
| Tuckerton | $2,090 |
| Turnersville | $1,616 |
| Twin Rivers | $1,399 |
| Union | $1,363 |
| Union Beach | $1,816 |
| Union City | $1,573 |
| Upper Montclair | $1,402 |
| Upper Pohatcong | $1,251 |
| Upper Saddle River | $1,301 |
| Vauxhall | $1,397 |
| Ventnor City | $2,715 |
| Vernon | $1,313 |
| Vernon Center | $1,324 |
| Vernon Valley | $1,282 |
| Verona | $1,417 |
| Victory Gardens | $1,207 |
| Victory Lakes | $1,646 |
| Vienna | $1,195 |
| Villas | $2,222 |
| Vincentown | $1,721 |
| Vineland | $1,659 |
| Vista Center | $1,533 |
| Voorhees | $1,480 |
| Waldwick | $1,316 |
| Wallington | $1,347 |
| Wallpack Center | $1,303 |
| Wanamassa | $2,038 |
| Wanaque | $1,363 |
| Waretown | $2,114 |
| Warren | $1,221 |
| Washington | $1,247 |
| Watchung | $1,261 |
| Waterford Works | $1,708 |
| Wayne | $1,359 |
| Weehawken | $1,519 |
| Wenonah | $1,526 |
| West Belmar | $1,919 |
| West Berlin | $1,639 |
| West Cape May | $2,282 |
| West Creek | $2,004 |
| West Freehold | $1,551 |
| West Long Branch | $2,067 |
| West Milford | $1,384 |
| West New York | $1,507 |
| West Orange | $1,499 |
| West Wildwood | $2,418 |
| Westfield | $1,300 |
| Westville | $1,559 |
| Westwood | $1,355 |
| Wharton | $1,210 |
| Whippany | $1,241 |
| White Horse | $1,584 |
| White Meadow Lake | $1,215 |
| Whitehouse | $1,209 |
| Whitehouse Station | $1,236 |
| Whitesboro | $2,032 |
| Whittingham | $1,291 |
| Wickatunk | $1,928 |
| Wildwood | $2,418 |
| Wildwood Crest | $2,421 |
| Williamstown | $1,671 |
| Willingboro | $1,633 |
| Windsor | $1,357 |
| Winslow | $1,729 |
| Wood Ridge | $1,323 |
| Wood-Ridge | $1,326 |
| Woodbine | $1,870 |
| Woodbridge | $1,397 |
| Woodbury | $1,559 |
| Woodbury Heights | $1,557 |
| Woodcliff Lake | $1,326 |
| Woodland Park | $1,384 |
| Woodlynne | $1,562 |
| Woodstown | $1,625 |
| Wrightstown | $1,533 |
| Wyckoff | $1,301 |
| Yardville | $1,437 |
| Yorketown | $1,571 |
| Zarephath | $1,212 |
What New Jersey homeowners are seeing right now
Widespread damage from severe weather has affected homeowners insurance across New Jersey. In addition to the impacts from some coastal storms, inland areas have also been hit with powerful wind and hailstorms.
Over the past five years, home insurance rates have gone up by an average of 33% statewide. Insurance companies have been raising their rates to keep up with the growing costs of repairing the damage from these storms. Rising construction costs have added to these expenses.
Insurance companies have also become more selective over the types of homes they insure. Some won’t insure homes in coastal areas and/or older homes with outdated wiring or worn roofs.
It’s important to know that home insurance doesn’t cover flood damage. Instead, you have to buy a separate flood insurance policy for protection from this risk.
How much is flood insurance in New Jersey?
Flood insurance costs an average of $1,096 a year in New Jersey, or $91 a month. The actual price you pay depends on your area’s flood risks and the amount of coverage you need.
Most people buy flood insurance through the government-run National Flood Insurance Program (NFIP). However, a few private companies also offer it. Private flood insurance is sometimes cheaper than an NFIP policy. Private companies usually also offer more coverage options.
Your lender will make you get flood insurance if you need a mortgage in a high-risk flood zone. The widespread nature of flooding makes it worth considering in other situations.
Your current home insurance agent, or the company you contact for quotes, should be able to help you get an NFIP quote. Wright Flood, Neptune Flood and Allstate are good places to start for private flood insurance quotes.
Does NJ homeowners insurance cover hurricanes?
Homeowners insurance usually covers wind-related hurricane damage. However, many policies have hurricane deductibles
Hurricane deductibles are usually offered as a percentage of your policy’s dwelling coverage. If you insure your home for $400,000, a 3% wind deductible works out to $12,000. This is much higher than normal deductibles, which typically range from $500 to $2,000.
Home insurance does not cover damage from hurricane-related flooding, but flood insurance does.
Compare homeowners insurance in New Jersey
Shopping around is a good way to save money on homeowners insurance. Keep these tips in mind as you compare quotes:
- It’s normal for your coverage limits to vary slightly between quotes. However, each quote should have accurate details about your home.
- You can share your current policy’s declarations page with other agents to save time. Review it first to see if you have enough coverage or need more.
- You usually get a generous discount for bundling your home and auto insurance. Get quotes for both to compare each company’s combined rates.
- Choosing higher deductibles usually lowers your rate. Keep money in the bank to cover the deductible you choose.
- It’s good to ask about discounts to make sure none get overlooked.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Extreme weather and rising construction costs have driven up expenses for New Jersey home insurance companies. To keep up with these growing expenses, insurance companies have raised their rates.
Homeowners insurance is not required by law in New Jersey. However, virtually all lenders will make you get it if you have a mortgage. If your home is in a high-risk flood zone, your lender will also require that you get flood insurance.
Home insurance generally covers damage to your roof from covered causes like fires, windstorms and falling objects. Many policies only cover your roof at its actual cash value, based on its age and condition. This is usually less than the full cost of repairs. Home insurance typically doesn’t cover roof damage from normal wear and tear.
Methodology
How we chose the best homeowners insurance in New Jersey
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every New Jersey ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.