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Home Insurance
Homeowners insurance protects your house, your belongings, and your family's financial future if something goes wrong.
What New Jersey residents should know
- Homeowners insurance isn't required by NJ law, but mortgage lenders almost always require it.
- Standard home policies do NOT cover flood damage — a separate flood policy is needed.
- Many NJ policies carry a separate windstorm or hurricane deductible, often a percentage of your dwelling coverage.
- Renters and condo owners in New Jersey can get affordable policies (HO-4 and HO-6) for belongings and liability.
Common coverages
- • Dwelling
- • Other structures
- • Personal property
- • Loss of use
- • Personal liability
- • Medical payments
Craig's tip
Keep a photo or video inventory of your belongings — it makes any claim much easier.
This is general information, not legal advice. Requirements change — call us to confirm what applies to you.
Let's talk about what matters to you.
Friendly, no-pressure advice from a local agent who knows New Jersey.