Short answer: home insurance in New Jersey depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. The average annual home insurance premium in New Jersey is about $1,417 (NAIC, 2022); your exact rate depends on coverage and profile.
Updated August 2026
New Jersey home insurance basicsHome insurance in New Jersey is shaped by local weather and rebuild costs. Local requirements and typical premiums vary — get a quote for your exact rate. Statewide average premium:
~$1,417/yr (NAIC, 2022).
Verify with the state insurance department →
Cities in New Jersey
New Jersey home insurance FAQ
How much is home insurance in New Jersey?
The average annual home insurance premium in New Jersey is about $1,417 (NAIC, 2022); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap home insurance in New Jersey?
Compare multiple carriers, bundle policies, and check local New Jersey discounts. Get free quotes in a couple of minutes.
Also compare auto insurance in New Jersey →