Home Insurance in New Jersey averaged $1,551 a year in 2023, 11% below the national average, per the NAIC, plus the rules that shape your policy.
What home insurance costs in New Jersey
Homeowners in New Jersey paid an average of $1,551 a year on a standard HO-3 policy in 2023, 11% below the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $1,560.
New Jersey rules worth knowing
HO-8 (older homes, repair-cost basis): $1,309 a year
