New Jersey Homeowners Insurance

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

• Get a home insurance quote online
• Call 833-857-5848 to speak with a Plymouth Rock expert
• Find a local independent agent

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 New Jersey homeowners insurance policy from Plymouth Rock keeps you well protected:

• Dwelling – We’ll protect your home from covered events such as fire damage.
• Other structures – We’ll cover structures on your property that aren’t connected to your main house, like a garage or fence.
• Personal property – If your items are damaged or stolen in a covered loss, we’ll arrange for them to be repaired or replaced up to the coverage limit.
• Loss of use – If you’re unable to live in your home after a covered loss, we’ll help pay for extra living expenses.
• Personal liability – We’ll protect you financially if you’re responsible for property damage or someone else’s injuries. For example, if someone is hurt in your yard.
• Medical payments – If a guest is injured on your property, we’ll take care of their medical bills whether you’re responsible or not.

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 endorsements:

• Home systems breakdown¹
• Cyber and identity protection²
• Utility service line¹
• Guaranteed replacement coverage
• Green upgrades

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.

While homeowners insurance is not required by law, you definitely need it if you own a home. 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. Currently, we serve more than 700,000 customers and manage more than $2.4 billion annually in premium, earning us an A- “Excellent” rating from A.M. Best Rating Services.