Jersey City Homeowners Insurance

Find the right homeowners insurance policy for you.

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

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Jersey City, the second-largest city in NJ by population, is an important manufacturing and distribution hub. It also has one of the largest downtown areas in the country. As you travel the Jersey transit system to one of the many shopping areas, you might look out and see the Statue of Liberty in the distance. The Statue became a symbol of hope and security for many coming to these shores. Your hope and security are also a major concern, so make sure you protect them by covering your house and possessions with a Jersey City, NJ homeowners insurance policy.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Cost of Homeowners Insurance in New Jersey

Number of Catastrophes in New Jersey and the US

Number of Thefts in New Jersey

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Our independent agents shop around to find you the best coverage.

Make It Easier on Yourself

Home insurance is not the easiest of issues to deal with by yourself. There are many different types and factors to consider and more possible risks than you would first imagine. The obvious things that are likely to affect your premium rates are the location of your home and its type and value. The perils you want to insure against and the extent and value of the contents will also help determine the cost.

That might sound simple, but most Jersey City homeowners insurance policies don’t cover earthquakes and flood damage, for example. Flood damage, in particular, might be important to you in the wake of the Hurricane Irene and Hurricane Sandy events. While most standard home insurance policies do cover fire, burglary and personal liability, you could face penalties if you don’t take precautions to protect and secure your home. Conversely, you might be eligible for discounts if you have a good security system installed.

Basic Jersey City Homeowners Insurance Coverage

Standard policies include common coverage types such as these:

You want to make sure you have at least this basic Jersey City homeowners insurance coverage. Your agent can also help you review and select other insurance coverage for even better protection.

City Limits

Jersey City, like most cities, has a higher than average crime rate. It is near the top 25 percent of worst cities in the U.S. Its additional exposure to natural disasters means that failing to get home insurance is a risk not worth taking for the average family.

Think and Act Now

Imagine the alternative to not having insurance – medical bills, legal costs, possible compensation, replacing your home and belongings, starting from scratch. An independent insurance agent from our network can get you Jersey City home insurance quotes from various insurance companies and advise you regarding your options.

Contact one of these agents right away to get the insurance that fits your needs and your budget.

I did a lot of searching for a homeowner's insurance and I went with Trusted Choice because it provided the best rates and coverage.

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Or talk to an agent now at (855) 372-0071