Best Homeowners Insurance in New Jersey


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Key Takeaways

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According to our 2025 research, the top three home insurance providers in New Jersey are Chubb, State Farm and The Hanover.

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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.

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To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Who Are the Best Home Insurance Companies in New Jersey?

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.

Chubb98212
State Farm93123
The Hanover68441
ASI62354
Farmers61534

*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.

Chubb98Overall
Chubb98Older Homes
Chubb95Newer Homes
Chubb98High-Fire-Risk Areas
Chubb98Bad Credit
Chubb98With 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.

ElizabethChubb98
Jersey CityChubb98
NewarkChubb98
PatersonChubb97

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:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
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.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
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:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
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. 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. 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. 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. 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?

Who has the most affordable homeowners insurance in New Jersey?

How do you get the best homeowners insurance in New Jersey?

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


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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.


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