Finding The Best Home Insurance in New Jersey

You and your neighbor have separate priorities. So finding the best homeowners insurance in NJ will probably mean something different to you both. What’s important to you? Are you looking to protect your home with maximum coverage? Searching for the lowest price? Perhaps you want the best service in the industry. With so many ways to customize your home policy, it may be possible to strike a balance that includes all three — the best overall value.

Coverage

Not all policies are created equal. If you want the best coverage, be sure that you understand exactly what your policy covers … and doesn’t cover. With so much invested in your house, you’ll want to make sure that everything is fully protected — from your possessions at home to the ones your children take to college.

Price

While you may be required by your mortgage lender to purchase certain minimum limits, there are several ways to lower your costs, including choosing higher deductibles and applying discounts.

Service

Your state is our state. We live and work in NJ too. Plymouth Rock’s staff adjusters have years of experience handling New Jersey home claims. And with 24/7 online claim reporting you’ll be able to start the claim process at any time, day or night.

Building Your Home Policy

Cookie-cutter home insurance? That’s not going to work for you and you won’t find it here. When you choose to insure your home with Plymouth Rock in NJ you’ll be able to customize your policy. That means you only pay for the coverage you need, while still being able to increase your limits. And you may be able to save money by taking advantage of discounts.

Coverages to Consider

If you’re looking for a home policy that gives you comprehensive protection, pay close attention to your individual coverages and exclusions. You can read about the core coverages of a homeowners policy and how they protect your house. Since not all policies are the same, there may be some differences that can have a big impact on how your policy covers your home, such as actual cash value versus replacement cost for your possessions. And not everyone realizes that floods are not covered by home insurance. So if you live in an at-risk area, we can help you purchase a separate flood policy.

Lowering Your Premium

Local agents and insurance professionals are experts in the New Jersey market. They can help you build a policy that gives you the best possible value while avoiding gaps in your coverage. They can also make sure you’re taking full advantage of all of our discounts.

You may also be able to lower your monthly premium by adjusting your limits and deductibles. However, the tradeoff is that you assume more risk and potentially greater out-of-pocket costs should you have a loss.

Call 855-993-4470 or find a local agent to see how Plymouth Rock can help you find the best homeowner insurance in New Jersey, and if you have any questions please visit our Contact Us page.