Country Guide
Best Home Insurance in New Jersey (2026)
New Jersey homeowners face coastal flooding and storm risks. Compare top carriers for comprehensive NJ coverage.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in New Jersey
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Overall value | $1,560/yr | — |
| 2 | USAA | Military families | $1,320/yr | — |
| 3 | NJM Insurance | NJ-based carrier | $1,440/yr | — |
| 4 | Travelers | Coastal coverage | $1,680/yr | — |
| 5 | Allstate | Local agents | $1,800/yr | — |