New Jersey · Home Insurance
New Jersey Home Insurance Guide
Average premiums, state minimum requirements, and a personalized calculator for New Jersey home insurance.
State Avg Annual
$1,331
Regional Risk Factor
×1.10
State Code
NJ
Estimated Premium
$4,258/ year
$355 per month · $280k dwelling
State base premium$3,429
Property value factor×1.17
Square footage factor×1.11
Coverage tier×1.00
Regional risk×1.18
About home insurance in New Jersey
The average homeowner in New Jersey pays $1,331 per year for home insurance. Regional risk factor: ×1.10 relative to the national average.