Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Jersey City

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Jersey City Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

154

Reviewed

99

Curated

18

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Jersey City, NJ
  • Multiple Policy Types
  • Flood

Why choose this provider?

Marine Agency Corp is a full-service insurance agency that has handled all of the insurance needs for clients in Jersey City since 1922. It offers homeowners flood insurance to cover the home's structure and contents in case of damage caused by severe storms. The agency has personal umbrella insurance plans that provide extra coverage for any injuries that may occur on the property or in a car accident. Marine Agency also has insurance plans for automobiles, watercraft, and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.5 / 5 (20)
Google
4.8 / 5 (16)
Yelp
3.5 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3759 US Highway 1 Suite 200, Monmouth Junction, NJ 08852
  • Multiple Policy Types

Why choose this provider?

Pavese-McCormick Agency, Inc., is an independent firm helping individuals and businesses in Jersey City find coverages tailored to their needs. It offers homeowners' insurance to cover liabilities and damage to property due to fire and other covered events. Working with more than 30 carriers, its advisors research rates and coverages to guide homeowners in choosing policies. The locally owned business also offers renters' and landlord protection insurance. Other policies provided include business, general liability, and vehicle insurance. Pavese-McCormick Agency has been operating since 1933.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (23)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
403 US Highway 202 South, Flemington, NJ 08822
  • Multiple Carriers

Why choose this provider?

The Parker Insurance Agency, Inc., serves clients in Jersey City. It offers homeowners' insurance policies that cover damage and losses to an individual's residence, personal belongings, and liabilities in the event of a disaster, theft, or vandalism. The agency also helps clients obtain risk management solutions that protect them against medical or surgical expenses, business interruptions, and daily living expenses. It has formed partnerships with several insurance carriers, allowing it to offer a variety of coverage options suited to the specific needs of clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
210 Hudson Street Plaza III, Suite 601, Jersey City, NJ 07311
  • Homeowners

Why choose this provider?

Established in 2007, EPIC Insurance Brokers & Consultants is a privately held company that caters to residential and commercial clients in Jersey City and the neighboring areas. It offers homeowners' insurance programs, which cover personal properties. It also customizes automobiles, watercraft, fine art collections, weddings, travel, and umbrella insurance coverages. In addition, EPIC provides executive and employee benefits consulting, credit risk assessment and management, and payroll administration services. It supports non-profit organizations, including Goodwill Industries and Ronald McDonald House Charities.

License Verified:

License: 9581842

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
712 3rd Ave, Brooklyn, NY 11232
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Next Century Insurance is an independent insurance agency located in Brooklyn, that serves the Jersey City, New Jersey, metro area. Home policy specialists work with several carriers to help homeowners get the right amount of coverage at affordable rates. Most plans cover physical damages based on a stated amount of insurance for the home, personal items, liability, and loss of use and clients can include extra protection for valuables, flood, and earthquake damage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (102)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2426 Nottingham Way, Mercerville, NJ 08619
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Harrah & Associates, Inc., is an independent insurance agency that caters to residents of the Jersey City metro. It provides clients with homeowners' insurance that covers the structure, living expenses, and liability. They may also add policies that cover valuable properties, animal liability, sinkholes, and floods. Other policies that the firm offers include condo, renters', rental properties, health, and umbrella insurance. It is licensed in over 30 states and has been in operation for more than 20 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (68)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
32 Old Slip, 30th Fl, New York, NY 10005
  • Personal Property Insurance

Why choose this provider?

Policygenius is an online insurance marketplace that has been serving clients in the Jersey City metro and its surrounding communities since 2014. The independent agency offers policies such as home, auto, renter, life, and disability protection. Its home insurance covers damage from fire, lightning, wind, hail, and theft. Its team of more than 400 agents accommodates clients' queries 24/7. Policygenius has helped over 30 million people secure insurance products since its establishment.

License Verified:

License: 1549395

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (1051)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
525 State Route 33, Millstone Township, NJ 08535
  • Renter's Insurance

Why choose this provider?

Liberty Insurance Associates is an agency that serves the residents of Jersey City and its surrounding metros. It offers an assortment of home insurance products that include coverages for fire, personal property or contents, additional living expenses or loss of use, property damage, medical fees, and excess liability. The business’s homeowners’ plan can also cover wine collections, jewelry, fine arts and collectibles, and secondary homes. Liberty Insurance Associates has over 80 years of industry experience. It represents more than 40 carriers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (95)
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
117 Washington Street Suite #300, Hoboken, NJ 07030
  • Multiple Carriers

Why choose this provider?

Milesquare Insurance Agency caters to property owners in Jersey City. It offers homeowners' insurance that covers both damage to the homeowners' properties and their legal responsibilities for injuries caused to other people. The homeowners' insurance also includes damage caused by household pets, poor maintenance works, and disasters such as floods and earthquakes. The agency is a member of the National Association of Professional Insurance Agents and Trusted Choice. It also has other personal insurance policies that cover condos, automobiles, and rental properties.

License Verified:

License: 1364121

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (46)
Facebook
4.5 / 5 (15)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9 Ridge Road, North Arlington, NJ 07031
  • Multiple Carriers

Why choose this provider?

Clyde Paul Insurance Agency serves clients in Jersey City and nearby areas. The company offers home insurance policies with options for dwelling and personal liability coverages. These cover unfortunate events to a residential property like theft, fires, and other incidents that cause property damage. The company represents more than 20 insurance carriers, including The Hartford, Foremost Insurance Group, Franklin Mutual Insurance, and Cumberland Mutual. Clyde Paul Insurance Agency has been serving the community since 1962.

License Verified:

License: 8043960

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
16-00 Route 208 South, Suite 103, Fair Lawn, NJ 07410

Why choose this provider?

Aba Insurance is a locally owned independent agency that serves residents and businesses in Jersey City and 11 other states across the country. It offers homeowners' insurance to protect clients from financial losses in the event of a fire, theft, or vandalism. It also covers the living expenses of clients for a temporary dwelling due to loss of home, as well as medical expenses in case someone is injured while on the property. Aba Insurance has been in the industry since 2009.

License Verified:

License: 1214003

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (154)
Facebook
4.9 / 5 (53)
Yelp
4.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
110 Central Ave, Jersey City, NJ 07306
  • Condos

Why choose this provider?

Preferred Choice Insurance Agency is a local insurance solutions provider that caters to the needs of clients in Jersey City. Individuals and families can seek the services of the firm to acquire a homeowners' insurance policy that can secure their homes and personal belongings. Its independent insurance agents help clients choose the right coverage among dozens of local and national providers. The group also offers auto and business insurance. Jonathan Vargas, the firm's owner, is an expert in sales and international business management.

License Verified:

License: 1570731

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (8)
Yelp
4.4 / 5 (7)
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
96 US Hwy 206, Augusta, NJ 07822
  • Multiple Policy Types

Why choose this provider?

SB One Insurance Agency has been serving businesses and individuals in Jersey City for over 65 years. It represents regional and national insurance carriers to give clients homeowners' insurance policies that fit their risk tolerance, lifestyle, budget, and family structure. It insures different properties, from tiny homes to luxurious estates. It also arranges supplemental or enhanced coverage for high-value items, including fine art, antiques, and other collectibles. President and CEO George Lista is the founder and director of High Point Regional High School Educational Foundation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7 South Warren Street, Dover, NJ 07801

Why choose this provider?

Henry O. Baker Insurance Group is an independent agent assisting homeowners in Jersey City and nearby areas. It has over 95 years of experience in the trade and employs over 50 insurance professionals. The company partners with different carriers, including American Commerce, Zurich, The Hartford, Liberty, and Progressive, to provide clients with comprehensive and customized plans. It delivers coverage options, ranging from standard liability to extended insurance for natural disasters such as earthquakes and floods.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (46)
Facebook
4.3 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
419 Monmouth Street, Jersey City, NJ 07302
  • Renter's Insurance

Why choose this provider?

Kacey Padlo is a State Farm insurance agent serving individuals and businesses in Jersey City. Kacey offers homeowners' insurance policies that provide reimbursement for home repairs and replacement and coverage for items that are not permanently attached to the home. The agent also provides auto, health, life, and renters insurance. Kacey is a member of the Hudson County Chamber of Commerce. She works with various non-profit organizations through her involvement with the Quotes For Good Program.

License Verified:

License: 1641561

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (114)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
568 South Livingston Ave, Livingston, NJ 07039
  • Flood

Why choose this provider?

Strategic Insurance Agency meets the needs of homeowners in Jersey City. It offers policies such as auto, business, professional liability, and life insurance. Its homeowner plans provide coverage for the loss of material possessions and property due to natural disasters such as fire and floods. The firm also provides options such as extra riders on insurance policies. It acquires products from more than 200 providers and has more than 30 years of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1056 Stelton Road, Piscataway, NJ 08854
  • Personal Property Insurance

Why choose this provider?

Chris Ciraulo State Farm is an insurance agent who serves clients in the Jersey City area. He works with homeowners and renters to help them find affordable insurance policies that adequately cover the value of their home in case of a catastrophe, as well as their personal belongings. Many policies also include coverage for personal liability in case an accident occurs on the policyholder's property. Other policy options include auto, business, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
731-733 Grand Street, Jersey City, NJ 07304
  • Homeowners

Why choose this provider?

H Roscoe Taylor Jr Insurance Agency has been serving the insurance needs of Jersey City and its surrounding metros for over 38 years. It helps homeowners find and access insurance policies with comprehensive coverages that protect their property, personal belongings, and liability. Its team of agents also assists clients looking for auto, business, commercial, and renters' insurance coverages. The agency was founded by H. Roscoe Taylor, who has over 49 years of experience in the insurance industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.5 / 5 (13)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Why should you consider endorsing umbrella coverage to your homeowners' insurance policy in Jersey City?

    Even with the protection that homeowners policy provides you in Jersey City, there will always be situations that exhaust your policy's capability to cover for you. Adding umbrella coverage to your existing homeowner's insurance policy can help extend its coverage, providing you with options from $1 million to $10 million. Umbrella coverage will also help with your legal fees and judgment costs in case you are held liable if someone was injured on your property.

  • If you have a pool on your property in Jersey City, will it be covered by your homeowners' insurance policy?

    If the pool was already included in your plan during your homeowners' insurance purchase, your insurer has likely included coverage for this in your plan. But if you are planning to purchase or install one on your property in Jersey City, you must call your insurer since pools are not always covered, especially if they're a new addition. This way, your insurer can inform you if you are already covered or if you need to purchase additional coverage, like umbrella insurance.

  • What are the factors that can affect the cost of your homeowners' insurance policy in Jersey City?

    In Jersey City, there are various factors that can impact the cost of homeowners' insurance. These aspects include the metro's or the state's current mortgage loan amounts and the value of your belongings. The additional coverage included in the policy and some exclusions, such as pet or bug infestation, may also have an impact on the cost of your insurance.

  • Can having pets affect your homeowners' insurance in Jersey City?

    If you have pets, your insurance coverage might be at risk if your pet becomes a risk by scratching, biting, or attacking someone on your property in Jersey City. Depending on the damage that your pet has inflicted on the victim, your coverage might not always be enough to pay for the victim's damages. This is why you need to inform your insurer if you ever get a pet so they can adjust your coverage to provide you with more protection in the future.

  • In Jersey City, which dog breeds can affect your homeowners' insurance rates?

    The Insurance Information Institute reported that the average cost of a dog bite is approximately $44,760 and this is why most insurers in Jersey City are banning dog breeds that they will not allow to be covered by your liability coverage in your homeowners' insurance policy. These breeds include Pitbulls, Rottweilers, Doberman Pinschers, Chow Chows, German Shepherds, and American Bulldogs. Other banned breeds include Presa Canarios, Huskies, Akitas, and Wolfdogs.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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