In the wake of Hurricane Sandy, and the damage it inflicted on the Jersey Shore, many homeowners were forced to rebuild. These people have struggled to find homeowners insurance in New Jersey for their rebuilt home. Surprisingly, for the rest of the state, New Jersey home insurance premiums hover right around the national average at $848.00. Where you live is a key determinant of your available coverage, as those within two miles of the shore have been the most negatively affected.

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It can be confusing to understand what variables affect your premium, but Allstate's Premium Gauge tool lets you plug in different variables like deductible or where you live, and shows you how your premium is affected. Another tool, the Allstate Digital Locker, lets policy owners keep and store a comprehensive inventory of their personal property. Its smartphone app gives you access to all your policy information. Standard coverage options for your dwelling and other structures, liability, and theft are available. With Allstate, you will also have the security of a national carrier with an A (Excellent) financial rating from AM Best. Finally, for homeowners struggling to make sense of the New Jersey home insurance market, Allstate's strong educational tools will be very useful for navigating the insurance process. The tools give a great perspective on what's important when purchasing insurance, and are why Allstate provides some of the best cheap New Jersey homeowners insurance.


Chubb offers some of the cheapest home insurance in New Jersey on many different types of dwellings like condos, co-ops, and single-family homes. Chubb's Masterpiece® homeowner's policy provides exceptional coverage and gives you choices. Some products are specifically designed for owners of historic brownstones and vacation homes. Chubb offers broad coverage including riders for extended replacement cost, rebuilding to code, and a cash settlement option. In addition to great coverage, it offers a suite of services including a Home Appraisal Service and world-class claims service. Chubb offers many discounts depending on what type of home you are insuring. For condos, take a discount for having masonry construction, or living in a gated community. For homes, you can get discounts for installing sprinkler systems or for using fire-resistant building materials.

State Farm

State Farm is one of the top providers of cheap New Jersey homeowners insurance by market share. Their focus has been on providing superior claims service. The Premier Service Program connects you with reputable local contractors to help complete repair work after a loss. State Farm's home inventory tool helps the claim reporting process greatly by maintaining an up-to-date record of all your personal property. State Farm also offers great discounts. Ask an agent about the Discount Double Check to make sure you are taking advantage of all available discounts. You may be eligible for discounts for having utilities ratings plans, fire sprinklers, and multiple policies through State Farm. State Farm receives an A++ rating for financial strength.

United Fire Group

United Fire Group, which includes the New Jersey based Mercer Insurance Company, has a financial stability rating of A from A.M. Best. Through coverage with United Fire Group, New Jersey homeowners insurance protects against basic damage from fire, wind, glass breakage, and theft. All policies are customized to fit an individual homeowner's needs. Its Signature Premier Homeowners Program is designed exclusively for people who own newer custom-built homes. Besides offering you a choice in both coverage limits and deductible amounts, its homeowners program automatically includes several features not normally found in other policies. These include identity theft, equipment breakdown, a value guard endorsement, and a complimentary home inspection.


Great discounts and one of the best selections of add-on coverage in the industry are standard with Travelers, one of the cheapest homeowners insurance in New Jersey. Discounts target new homes and new updates to homes. You may be eligible for a discount by maintaining an environmentally friendly home. Other discounts for installing protective devices like alarms, fire extinguishers, or sprinklers are also offered. Fairly unique additional coverage options are available to protect your fine jewelry, art antiques, and computer equipment. Other features, like their online claim reporting tool, are designed to make the claims reporting and managing processes easier in a difficult and stressful time. Travelers maintains an A (Excellent) rating from A.M. Best.

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