How to Find the Best Home Insurance in New Jersey

Most policies for home insurance in New Jersey include this coverage:

• Dwelling coverage helps to pay for repairs for damage that your home’s structural elements, like the walls and roof, might sustain.
• Other structures coverage helps to cover detached structures, like sheds and detached garages.
• Personal property coverage helps to cover the costs of certain personal belongings inside your home, like your electronics and furniture.
• Personal liability coverage helps to protect you financially if a person is injured while on your property.
• Medical payments to others coverage helps to cover another person’s medical expenses resulting from an accident on your property.
• Loss of use coverage helps to pay for living expenses, like a rental property, that you might face if your home is damaged and uninhabitable during the repair process.

You might want to add on these extra coverages to more completely protect your home:

• Flood coverage: Flood protection isn’t typically included in a basic insurance policy, but you will need to consider your home’s location and flood risk factors when deciding whether to invest in a separate flood insurance policy.
• Valuable items coverage: While some items in your home are protected by your home insurance, more valuable items, like crystal, jewelry, and silverware, may not be covered. A specific valuable items policy can help to replace these items if they are ever stolen or damaged