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Let us take care of you

Homeowners Insurance New Jersey

Let’s protect your heaven.

Welcome to Homeowners Insurance in New Jersey! You’ve come to the right place to get the lowdown on how to protect your home. Remember, having Homeowners Insurance isn’t required by law in the Garden State, but it’s a wise move to safeguard your finances and your main residence.

 

It’s worth mentioning that if you have a mortgage, your lender might require you to have Homeowners Insurance. With Homeowners Insurance, you can have peace of mind knowing that your home is protected against potential risks and that you’ll have support when you need it most.

Homeowners Insurance Coverages in New Jersey

Explore the fundamental layers of protection provided by Homeowners Insurance in New Jersey.

Dwelling

Get your spot covered in case it needs repair or rebuild due to theft or weather damage such as wind, fire, and fallen trees.

Additional structures

Get your storeroom, workspace, garage, or other detached structure safe and secure.

Personal property

Safeguards your valuable possessions including furniture, electronics, and clothing in the event of a covered loss.

Loss of use

Protects you in case your house is damaged and you need to move to a different place while it’s being repaired.

Personal liability

Covers legal expenses when found responsible for causing bodily injury or property damage to others.

Medical payment

Covers the medical expenses in the event someone gets hurt and you’re responsible for it.

Customize it according to your needs
Level up your Homeowners Insurance game with these optional coverages!

Personal injury

Protect yourself from lawsuits with this endorsement. It adds extra protection for non-physical harm or emotional distress caused by you or a covered family member. Better safe than sorry, right?

Personal cyber protection

Safeguard yourself from digital risks, such as cyber-attacks, online fraud, data breaches, or nasty cyber extortion. Avoid financial burdens when needing to recover data or lost money due to cyber crimes.

Fuel oil release

Avoid financial burdens and ensure a quick response in the event a heating oil leaks from your tank or lines, and safeguard yourself against cleanup costs, property, and environmental damage.

Ordinance or law

When it comes to building codes, we’ve got your back. If a covered loss occurs and you need to update your property to meet current building code standards, this coverage helps you with those expenses.

Common Risks

New Jersey has its share of risks such as hurricanes, floods, and even leaking oil tanks. These events, as unpredictable and destructive as they are, can cause serious problems for your finances if you are not properly insured.

While our standard Homeowners Insurance policy protects you against hurricane damage, we have specific coverages to protect you against fuel oil release and flood.

How Much is Homeowners Insurance in New Jersey?

Understanding factors that will affect your Homeowners Insurance cost, alongside with choosing ideal add-ons, will help you have more comprehensive coverage. In other words, finding the best protection while you’re renting!

Where your home is located is key to your Homeowners Insurance cost. Your zip code, city, and state can have different risk rates for weather damage, like hurricanes or floods, or higher claims history due to crime, affecting your coverage final price. In the end, the whole point of having insurance is keeping your home protected, right?

“Age matters”. This may not be the nicest say in most case scenarios, yet it can be when it’s meant to protect your home. Older homes typically require more maintenance and repairs, meaning that your premium prices could bump up. At PSIC we want to make sure your home is properly protected and ready to handle unexpected surprises that may come your way.

Think of your deductibles as a way to strike a balance that works for you. If you go for a higher deductible, you can score some lower premium rates. But, keep in mind that this also means you'll have to cover more out-of-pocket expenses if you have to file a claim. You can always read more about it in Homeowners Insurance Explained or contact an agent who’ll be ready to help you!

A clean record signals responsible stewardship, typically resulting in lower insurance premiums. Conversely, a history of frequent claims may imply a higher risk profile, potentially leading to increased insurance expenses in New Jersey's diverse landscape.

The construction type directly influences the price of your Homeowners Insurance, as materials and methods used in construction impact the home's vulnerability to various perils, affecting the risk profile and therefore the premium cost.

Save Money on Insurance

Having the best Homeowners Insurance in New Jersey doesn’t mean it has to be expensive. Find out which options you can choose to make it more affordable while keeping it safe.

Bundle and save

Have 2 active policies with us? Bundle them up and save big!

Claims-free discount

Celebrate your zero-claims stellar record with a well-deserved discount on your premium!

Senior citizen discount

Embrace the retired lifestyle and enjoy lower premiums by living in a retirement community

Gated community discount

Enjoy a special price if you reside in a permanently locked gated community with on-site security personnel.

Security system discount

Keep your home safe and enjoy a special price by protecting it with a burglar alarm, sprinkler system, fire alarm, or central system.

Roofing discount

If you upgrade your roof to a hail-resistant one, choose one with stylish tiles, or if you want to go even safer and get a brand new one, we’ve got some sweet savings for you.

E-delivery discount

Go paperless, hassle-free, and wallet-friendly. Choose our e-delivery option and watch the savings roll in!

It’s All About Insurance!

Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.

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Get Fully Protected

Check out all the coverage options available in New Jersey!