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New Jersey Home Insurance Quote Guide

Plymouth Rock Assurance makes getting an NJ home insurance quote a breeze. In just a few minutes, you can find out how much it will cost to insure your new home or get new coverage for the home you’re in now.

If you’re ready to jump right in, so are we!

When you get a home insurance quote, we’ll get to know you and your home better. Here’s what you can expect:

•    We’ll ask you to provide basic information about yourself – name, date of birth, marital status – things like that. It just helps us to know who we’re talking to.

•    You’ll tell us about the property you’re insuring. We'll ask about the address, the home's square footage, the year it was built, how it’s constructed, safety features, the number of bedrooms and bathrooms, and other details.

•    Discounts! We have a range of discounts to help you save. Factors that can help you save include having a newer home, a newer roof and certain home safety features. You can also get another discount if you add a companion auto policy. Read about other ways to lower the cost of your home coverage.

That’s it! You’ll get your home insurance quote and be able to pay for your policy on the same call. If your mortgage company requires that you escrow your home insurance, we’ll be happy to work with them to make sure everything is handled.

What to Consider Before Your Quote

You’re protecting a lot when you insure your home. Here are some coverage options and details to consider before you start your quote. These will help you be better prepared for your quote and prevent having to make some decisions on the fly.

•    Do you need flood insurance? With more than 130 miles of coastlines in the Garden State, mortgage companies make flood insurance mandatory for some homes. You can find out more about flood insurance here.

•    Do you want a policy that offers actual cash value (which deducts for depreciation) or replacement cost for your possessions if you need to replace them. Read our personal property guide to learn more.

•    How much will it cost to rebuild your home? The cost to rebuild your home may not be the same as the current market value. This can be true even if you purchased the house recently. You can learn more here about how much insurance you need. As always, your Plymouth Rock insurance professional or local agent can help you figure this out.

Pro tip: If you currently have home insurance, try to find your “declaration page,” which outlines all of your coverage, limits and deductibles. This will help you get a true comparison to what you have now.

Get Your Quote

Call Plymouth Rock at 855-993-4470 or find a local agent to get your NJ home insurance quote. If you need additional information, you can visit our Contact Us page.