New Jersey home insurance

Keep your space safe in every season.

Most of the year, your home in New Jersey is exposed to the elements. Learn how a House & Home® policy can help protect it from the inside out.

Get Allstate home insurance today

Find the right coverage option to fit your budget and your specific home insurance needs.
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Types of coverage in New Jersey

Take a closer look at what's usually covered by a House & Home policy in New Jersey.

Dwelling coverage
Protects the structure of your house, such as the roof and walls

Personal property coverage
Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house

Other structures
Protects the physical structure of buildings on your property separate from your home, such as a detached garage

Liability protection
Defends and protects you if a person sues you after being injured on your property or after you damage their property

Guest medical protection
Pays medical expenses for someone who's injured on your property

Additional living expenses protection
Covers increased expenses if your home is uninhabitable after a covered loss

Optional home coverages

Your homeowners policy might not quite cover all the things that make your place unique. By adding optional coverages, like water back up, building codes, service lines, and more, you can help protect what you love.
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Additional features

Only Allstate offers all three unique features¹ that work together to help protect you and save you money, whether or not you have a claim.
  • claim rateguard icon

    Claim RateGuard®

    Helps keep your rate from increasing just because you file a home insurance claim²
  • Claim-free rewards icon

    Claim-Free Rewards

    Gives you a discount for switching to Allstate without any recent claims, plus 5% back for every year you don't have a claim
  • Deductible rewards icon

    Deductible Rewards℠

    Gives you $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim — up to $500³

How to insure your home in New Jersey:

Choose your coverage.

No two homes are alike. You and your agent will work together to design an insurance policy that fits your place.

Apply for a policy.

We help make the process quick and easy, so you can start protecting your home as soon as possible.

Stay protected.

As your life changes, so do your home insurance needs. An agent will work with you to help make sure what you love is covered.

Save on your home insurance

Protecting your home doesn't have to be expensive. And with a variety of discounts and savings opportunities, Allstate makes it even easier to get a good deal in New Jersey. Here are a few featured discounts:

Multi-policy discounts

Save when you bundle home and auto policies with Allstate.

Responsible payment discount

Savings for having a good payment history like paying on time and payment type (in-full, escrow, etc.).

Claim-free discount

Save up to 20% when you switch to Allstate without a recent home insurance claim.

See other ways to save on home insurance in New Jersey.

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