Protect Your Most Valuable Investment
Comprehensive homeowners insurance coverage for New Jersey residents. Protect your home, belongings, and family with competitive rates and exceptional claim service.
Homeowners insurance provides comprehensive protection for your home and belongings. Understanding each coverage component helps you make informed decisions about your protection.
Protects the structure of your home and attached structures
Coverage for detached structures on your property
Protection for your belongings inside and outside your home
Protects you from lawsuits and claims by others
Covers extra costs if you must live elsewhere during repairs
Covers medical expenses for injuries that occur on your property
Standard homeowners insurance protects against many common perils that could damage your home or belongings.
Damage from fire, lightning strikes, and smoke
Wind damage and hail damage to your home
Damage from electrical surges and power issues
Protection against theft and malicious damage
Sudden water damage from plumbing or appliances
Damage from objects falling on your home
Take advantage of these discounts to reduce your homeowners insurance premiums while maintaining excellent coverage.
Bundle home and auto insurance for significant savings
Monitored security systems reduce your risk and rates
Smoke detectors and fire extinguishers provide discounts
Newer homes often qualify for lower rates
No claims history demonstrates lower risk
Long-term customers earn additional savings
Get a personalized homeowners insurance quote and discover comprehensive protection for your most valuable investment.
Your dwelling coverage should be sufficient to rebuild your home at current construction costs. Personal property coverage is typically 50-70% of dwelling coverage. We help you determine the right amounts based on your specific situation.
Standard policies typically exclude floods, earthquakes, maintenance issues, and certain high-value items. We can help you understand exclusions and recommend additional coverage where needed.
You can reduce premiums by increasing deductibles, bundling policies, installing safety features, maintaining good credit, and shopping for competitive rates. We help you find all available discounts.
Contact us immediately after a loss. Document the damage with photos, make temporary repairs to prevent further damage, and keep receipts. We'll guide you through the entire claims process.