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New Jersey
Homeowners Insurance

New Jersey
Homeowners Insurance

Whether you live in Newark, Atlantic City or somewhere in between, homeowners insurance in New Jersey has never been easier. We can help you relax by protecting your home and all those belongings you hold dear.

Plymouth Rock offers New Jersey residents comprehensive homeowners, renters, condo and second home insurance at affordable prices. Get your home insurance quote today!

You could save an average of $421*

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What we offer

A Plymouth Rock homeowners policy can provide coverage for your home and other structures, your possessions, and even your expenses if you’re temporarily uprooted from your home.



We also offer a choice of overall coverage levels to better suit your situation in life. Depending on which level you pick, some additional coverage options may be automatically included with your policy.

If you need help selecting the coverage level that’s best for you, we’ve got you covered there too. Just contact our friendly sales team or a local New Jersey agent for assistance.

Policy details

You could save with automatic discounts

These customer discounts will automatically kick in if you qualify. You don’t have to do a thing.

New customer

This may be the easiest one of all. Receive a discount just by choosing Plymouth Rock for your home insurance.

Claims free

You could save if you’ve gone the past 5 years without having a claim on your homeowners insurance policy.

Age of home

The newer your home is, the larger the discount will be. Homes built more than 100 years ago don’t qualify.

Advanced quote

If you get a home insurance quote more than 7 days before your coverage starts, you’ll get a discount when you buy the policy.

New customer

This may be the easiest one of all. Receive a discount just by choosing Plymouth Rock for your home insurance.

Claims free

You could save if you’ve gone the past 5 years without having a claim on your homeowners insurance policy.

Age of home

The newer your home is, the larger the discount will be. Homes built more than 100 years ago don’t qualify.

Advanced quote

If you get a home insurance quote more than 7 days before your coverage starts, you’ll get a discount when you buy the policy.
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Optional coverages in New Jersey

If you want to maximize your protection, we also offer several optional coverage features. As a New Jersey resident, you can customize your home insurance coverage by adding the following:

Home systems breakdown – Protects you if important equipment breaks down in your home, such as your furnace, stove or air conditioning unit.

Flood insurance – Neptune Flood provides everything in FEMA’s National Flood Insurance Program (NFIP)—and more.

Cyber & identity protection – Offered through CyberScout, our cyber and identity protection services keep you one step ahead of identity thieves.

Utility service line – Provides payment if physical damage results in a leak, break, tear, rupture, collapse or arcing of a covered service line.

Pet health insurance – Pet insurance lets you seek the best possible treatment for your pet’s unexpected injuries and illnesses.

Green upgrades – Pays for the increased cost of repairing damaged property using materials and methods that are better for the environment.

Your team. Your insurance.

If you live in New Jersey, there’s a good chance you love sports. That’s why Plymouth Rock is proud to partner with some of your favorite sports teams.

New York Yankees logo

NEW YORK
YANKEES

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Got questions? You're not alone.

Common questions about home insurance

The first step is to get a home insurance quote—which you can do in just 5 seconds. NJ residents can choose from any of these convenient options:

Our NJ-based independent agents are experienced, compassionate people—not automated bots. Plus, they work and live right in your community, so they understand your needs. They’ll help you:

  • Get a free homeowners insurance quote
  • Determine the best coverage and liability limits
  • Select the proper deductible
  • Take advantage of all available discounts

A standard homeowners insurance policy from Plymouth Rock keeps you well protected:

  • Your Property – We’ll protect your home and other structures from damage caused by fire, lightning, hail and other covered events.
  • Your Belongings – If damaged or stolen, we’ll arrange for them to be repaired or replaced.
  • Your Liability – We’ll protect you against certain claims for which you are responsible. For example, if someone is injured in your home on your property, you could be held legally responsible for the damages.

Absolutely! If you want the best possible protection for your home and belongings, we also offer several optional coverages. How much you add is up to you. For example, you can customize your home insurance by adding the following:

If you have pets and want to add pet insurance, you can do that too. However, pet insurance must be purchased as a separate policy altogether.

If you have a home, you definitely need homeowners insurance. There are two main reasons:

  • Mortgage lenders usually require proof that you have a certain amount of homeowners insurance before issuing a loan.
  • As unlikely as disasters are, they can and do happen. You want the best possible homeowners insurance for you and your family.

Plymouth Rock has been providing customer-first insurance in the Northeast for over 40 years. In that time, we’ve served over 900,000 customers and sold over $2.3 billion in annual premium, earning us an A- “Excellent” rating from A.M. Best Rating Services.

You might also be interested in

Auto insurance

We’ll keep New Jersey residents in the driver’s seat with Accident Forgiveness, Disappearing Deductibles, New Car Replacement and other features.

Umbrella insurance

You’ve worked hard to build up your assets, and sometimes you need extra protection. An umbrella insurance policy gives you that extra peace of mind.

Flood insurance

Plymouth Rock has teamed with Neptune Flood, a private flood insurance provider, to offer comprehensive flood coverage to New Jersey homeowners.

*Amount based on average annual savings reported by Plymouth Rock home customers in multiple states who switched between 1/1/2025 and 12/31/2025. Your premium may vary due to the state and underwriting company in which your policy is written, available discounts and other factors.