Homeowners in the Garden State face a variety of risks throughout the year. From rain and snowstorms to the risk of fire and wind damage,
it’s important to protect your home with homeowners insurance in NJ. With the AARP® Homeowners Insurance Program
from The Hartford,1
you can customize your coverage to get the best homeowners insurance in NJ for you. Whether you’d like to add coverage to protect your valuable personal belongings or protect against identity theft, The Hartford can help you get the coverage you need.
It doesn’t matter if you live near Atlantic City, Newark, Trenton or anywhere else. The Hartford’s specialists can help protect New Jersey homes across the state and get you coverage that fits your homeowner insurance needs. Obtenga una cotización de seguro de viviendas
today and learn how we can help protect your house and belongings.
What Does New Jersey Homeowners Insurance Cover?
Homeowners insurance in NJ helps protect your home and personal belongings if they’re damaged by a covered loss or an Act of God
, such as:
With the AARP Homeowners Insurance Program from The Hartford, your policy includes standard coverages, like:
- Personal property to help protect your personal belongings, such as furniture and appliances.
- La cobertura por responsabilidad civil, which helps protect you if you’re found liable for someone getting injured or property damage.
- Loss of use to help pay for living expenses if you can’t live in your home due to damage from a covered loss.
- La cobertura de vivienda to help cover costs to repair or rebuild your home after it’s damaged by a covered loss like fire, lightning or vandalism.
- Other structures coverage, which helps protect detached structures on your property, like detached garages, fences or sheds.
- Medical payments coverage to help pay for someone’s medical bills if they are injured on your property.
More New Jersey Homeowners Insurance Coverages
We know every homeowner in NJ has unique needs and that there’s no one-size-fits-all home insurance policy. That’s why we offer additional coverage options that you can add to your policy to help meet your needs, such as:
Contact The Hartford at 877-422-2345
to learn more and find the homeowners insurance coverage that’s right for you.
Who Needs Homeowners Insurance in NJ?
New Jersey doesn’t require its residents to carry homeowners insurance. But if you financed your home, it’s likely that your mortgage lender will require coverage.
Even though it’s not required, it’s still a good idea to get homeowners insurance to make sure your home is adequately protected. This can be especially important in New Jersey given the wide range of weather-related risks that residents face throughout the year.
“How much homeowners insurance do I need?
” It’s a question we hear often. And the answer depends, but some factors to consider when evaluating how much coverage you might need include your home’s size, the value of your belongings and living expenses.
What Is the Average Homeowners Insurance Cost in NJ?
Be aware that home insurance companies in New Jersey can look at different factors when determining your cost, such as:
- Building costs in your area
- The size of your New Jersey home
- Geographical location
- The likelihood of disasters, like a hurricane
- Policy details, such as coverage limits
Because of these factors, New Jersey residents likely pay different insurance rates. The best way to find out your specific rate is to get a homeowners insurance quote
Discounts on Home Insurance in NJ
There are several savings opportunities available to help you save on home insurance in New Jersey. Below are some of the homeowners insurance discounts
that can help lower your rate.
Home Security Discount
We want to reward you for making the investment to protect your home. So, if you install devices like burglar alarms, you can qualify for a home security discount
Paquetes de seguros de viviendas y automóviles
If you install certain devices to help protect your home from fire damage, you can get a home insurance discount. This includes fire sprinkler systems and monitored alarms.
Get a Quote for Homeowners Insurance in NJ
You made a big investment in your New Jersey home. That’s why it’s important to protect it with homeowners insurance from an insurance company you can trust. Not all homeowners insurance companies are the same. The Hartford is backed by experience, and our specialists are here to help you every step of the way. Whether it’s getting a quote or going through the claims process, you can count on our customer service and claims teams. Obtenga una quote for homeowners insurance in NJ
Última actualización: 28 de abril de 2023