Homeowners insurance in New Jersey.
379 independent agencies are licensed to write homeowners insurance across New Jersey, with the most listings in Lakewood, Morristown, Jersey City. An independent agent compares homecoverage from multiple carriers to fit your coverage and budget, not just one company’s rate.
What homeowners insurance can cover
- Dwelling coverage
- Other structures (garage, fence)
- Personal property
- Personal liability
- Loss of use / additional living expenses
- Scheduled valuables (jewelry, art)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Homeowners agencies across New Jersey.
The New Jersey communities with the most homeowners listings. Pick yours to see local agencies.
All New Jersey communities for homeowners insurance
180 communities have at least one independent agency licensed for homeowners insurance. Browse them all:
Frequently asked questions
How many independent homeowners agencies are in New Jersey?
Public licensing records list 379 independent agencies licensed to write homeowners insurance across New Jersey, in 180 communities. 229 New Jersey agencies have records going back 20 or more years.
How do I get homeowners insurance quotes in New Jersey?
Tell us what you need once and we connect you with a licensed independent agency that serves your area in New Jersey. You'll see who may contact you before you submit, and we never sell your information.
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Flood coverage is purchased separately — an agent can walk through whether your location calls for it.
Other lines in New Jersey.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.