Home Insurance in New Jersey

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
• Regulator: New Jersey Department of Banking and Insurance

Source: NAIC Homeowners Insurance Report, 2023 data. Figures are the most recent the NAIC has published; nothing on this page is estimated or modelled.