The best home insurance companies in New Jersey are Chubb, State Farm, The Hanover, ASI and Farmers. Chubb ranks first for coverage options and customer service, while State Farm is the most affordable. Compare all our top picks below.
Best Homeowners Insurance in New Jersey
Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in New Jersey are Chubb, State Farm and The Hanover.
Chubb offers the best overall home insurance for most New Jersey homeowners. However, if you have a newer home, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in New Jersey?
| Chubb | 98 | 2 | 1 | 2 |
| State Farm | 93 | 1 | 2 | 3 |
| The Hanover | 68 | 4 | 4 | 1 |
| ASI | 62 | 3 | 5 | 4 |
| Farmers | 61 | 5 | 3 | 4 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| Chubb | 98 | Overall |
| Chubb | 98 | Older Homes |
| Chubb | 95 | Newer Homes |
| Chubb | 98 | High-Fire-Risk Areas |
| Chubb | 98 | Bad Credit |
| Chubb | 98 | With Claims History |
Best New Jersey Home Insurance by City
Home insurance provider rankings in NJ cities can vary based on affordability, local customer service, and available add-on coverages. For example, Chubb ranks best in Elizabeth, Jersey City and Newark, while also leading in Paterson. Below, we outline the top providers by city to help you choose the right option locally.
| Elizabeth | Chubb | 98 |
| Jersey City | Chubb | 98 |
| Newark | Chubb | 98 |
| Paterson | Chubb | 97 |
Best New Jersey Home Insurance Reviews
Explore our analysis of leading home insurance providers in New Jersey, spotlighting those excelling in affordability, customer service, and comprehensive coverage options.
State Farm: Best for Affordability
State Farm is the most affordable home insurance provider for most New Jersey homeowners. It also ranks above the national average in customer service, placing seventh in customer satisfaction, according to J.D. Power. Also, State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes in High-Fire-Risk Areas | $54 | $646 |
| Newer Homes | $54 | $646 |
| Older Homes | $90 | $1,079 |
| Older Homes in High-Fire-Risk Areas | $90 | $1,079 |
Chubb: Best for Customer Service
Chubb is the top overall provider for home insurance in New Jersey, offering affordability and coverage, while topping our list for customer service. According to recent J.D. Power studies, it's the top provider in terms of claims and customer satisfaction. Also, Chubb offers unique add-ons like HomeScan® infrared inspections to detect hidden issues, employment practices liability coverage for household staff and valuable articles insurance with agreed value and breakage protection for collectibles.
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $34 | $403 |
| Newer Homes | $34 | $403 |
| Older Homes | $45 | $535 |
| Older Homes in High-Fire-Risk Areas | $45 | $535 |
The Hanover: Best for Coverage
The Hanover is a comprehensive option for home insurance due to its coverage score, which tops our study. Its extensive coverage includes unique add-ons like guaranteed replacement cost coverage, which insures the full replacement cost to rebuild your home regardless of rising material and labor costs, and extended dwelling replacement cost, which helps make up the difference up to an additional 25%.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $134 | $1,608 |
| Newer Homes | $134 | $1,608 |
| Older Homes | $199 | $2,393 |
| Older Homes in High-Fire-Risk Areas | $199 | $2,393 |
How to Find the Best Home Insurance in New Jersey
We've created a straightforward guide to help you confidently choose the right coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value, the personal belongings inside and local risk factors.
- 2
Research costs and discounts
Figure out how much home insurance costs in New Jersey to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in New Jersey. Use guides and personal research to evaluate customer service ratings, pricing and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in New Jersey: Bottom Line
Chubb, State Farm and The Hanover are the best-rated homeowners insurance providers in New Jersey. Still, shopping around and reviewing coverage details can help you choose the right insurer for your needs.
Best Home Insurance in New Jersey: FAQ
To simplify your search, we've answered common questions about choosing the right home insurance provider in New Jersey.
Which company is best for home insurance in New Jersey?
Chubb is the best homeowners insurance provider in New Jersey due to its affordability, customer service and extensive coverage options. State Farm, The Hanover, ASI and Farmers are also great options in the state.
Who has the most affordable homeowners insurance in New Jersey?
The most affordable homeowners insurance in New Jersey varies based on individual circumstances and coverage needs. On average, the cost of homeowners insurance in New Jersey is $1,722 annually.
How do you get the best homeowners insurance in New Jersey?
To find the best home insurance in New Jersey, decide on your coverage needs, research costs and providers and compare multiple options.
How We Decided the Best Home Insurance in New Jersey: Our Methodology
We rated the best homeowners insurance providers in New Jersey using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.