New Jersey Homeowners Insurance Quote

Find the Right NJ Insurance Agent
and the Right Insurance Quote online
iQuote connects you with the right agent for you and the insurance you need. Whether you are looking for affordable:

•Auto Insurance or Marine Insurance in New Jersey
•Life Insurance coverage
•Long-Term Care or Disability Insurance
•NJ Home Owner Insurance
•New Jersey Health Care Insurance
We take a tailored, specific approach designed to serve your needs. Answer a few simple questions including your monthly insurance budget and we will connect you with a local insurance expert who understands you best.

Just tell us:

•Who and where you are
•What type of insurance you need
•Your monthly insurance budget
We'll take care of the rest. Your agent will contact you only the way you want – by email, phone or mail – to talk over the details.

So many insurance quoting services simply send out your information hoping for an acceptable quote to come back. The result for you is altogether too many emails and phone calls from companies that don't understand what you need.

You won't be contacted by every agent on the Web
iQuote helps you locate a local insurance expert in New Jersey. We also protect your information. When you search for a insurance quote online with iQuote, you’ll hear from one New Jersey Insurance Agent who knows you and your area.

You tell us what you need. You choose how you'd like to be contacted. We find your local expert.


Understanding Homeowners Insurance
As its name suggests, your NJ Homeowner's Insurance policy is designed to protect you from the cost associated with the damage or destruction of your home. It also includes coverage for your possessions inside your home and additional structures on your property. Coverage can include protection for some possessions that may become damaged outside the home. Most policies also include protection for anyone named on the policy, permanent residents of and visitors to the house excluding renters.

New Jersey Home Owner Insurance can protect you against damage from storms, vandalism, break-ins fire and can be extended or amended to include more unusual circumstances like flood. Additional coverage naturally involves a slightly higher premium.

When we put you in touch with your New Jersey Insurance agent, you will receive NJ homeowners insurance quotes designed to meet your needs.

Renters insurance is a specific type of policy in the same family as Homeowners Insurance that covers your possessions if you are renting an apartment, condominium or home.

Evaluating Your Homeowners Insurance Needs
The most important consideration when evaluating how to buy NJ Homeowners Insurance is the cost of rebuilding in the unlikely event that your entire home is destroyed. Keep in mind that the cost of rebuilding is typically more expensive than even new construction and may be quite a bit more than what your home is worth on the open market.

Many New Jersey insurance policies cover possessions within the home at between 70 and 75% of the total value of the policy coverage. That would be $70,000 or $75,000 of coverage on a $100,000 policy. If you collect or own significantly valuable pieces of property like art or expensive jewelry, it is highly advisable to consider purchasing additional coverage.

When iQuote connects you with your local NJ Homeowners Insurance Agent to buy insurance online, your agent will be able to help you assess your needs and navigate the wide variety of options available to you.

Homeowners Insurance FAQ
What is Homeowners Insurance?
Homeowners Insurance protects you against the cost of replacing or repairing your home if it is damaged in an unforeseen situation. Your homeowners policy also protects your family, visitors and the possessions you own. It also protects any additional structures you may have on your property.

Who needs Homeowners Insurance in NJ?
Anyone who owns a home, or more specifically has a mortgage, needs Homeowners Insurance. Given that your home is generally your single largest investment, it only makes sense to protect it. Some municipalities and condo associations require homeowners to have insurance before a Certificate of Occupancy will be issued. Renters do not need Homeowners Insurance, but specific renter policies can help cover any damage or loss of personal possessions in the event of a problem.

How much is enough?
It is important to make sure your NJ Homeowners Policy will be enough to replace and rebuild your home in the event the entire building is destroyed. Most policies further protect possessions at between 70 and 75% of the total amount of coverage. If your possessions exceed this amount, it is critical to consider supplemental insurance to cover your exposure. See Evaluating Your Needs for more details.

How much does it cost?
The cost of your New Jersey Home Owners Insurance policy is determined by a wide range of factors, some within your control and others simply market factors like the current cost of construction, and number of liability lawsuits that tend to be filed. Choosing a more comprehensive policy with a higher level of coverage will result in a higher premium for you. Understanding the difference between "replacement cost" and "market value" can make a difference in the level of coverage you select. Also, raising your deductible can significantly affect what you pay as a premium. Lifting your $250 deductible to $1,000, for instance, can lower your premium by up to a third. Your NJ Insurance Agent can help you understand all these terms and requirements.

What makes New Jersey Home Owner Insurance through iQuote different?
iQuote connects you with the right agent and the NJ Homeowners Insurance you need. Answer just a few short questions including how much you want to pay and we hand pick a local insurance expert who will contact you directly by phone, email or mail depending on your choice. We protect your information so you won't be contacted by every agent in the business. You'll hear from one New Jersey agent who knows you and your area.