New Jersey Insurance
Quality Renters, Auto And Home Insurance Coverage For The Garden State
Think of the value represented by important assets like your home and your car. How much do they mean to you? How do they help you and your family lead a secure, comfortable life? What would they cost if you lost them?
You shouldn’t have to worry about recovering from losses involving these items. That’s why you need strong insurance protection to help you safeguard these pieces of property and maintain your lifestyle.
At BluCanopy, we provide great customer service and reliable home, auto and renters insurance policies for all New Jersey residents. To get started, call (800) 573-0226 or get an online quote today by clicking the button below.
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Common New Jersey Insurance Questions
1Do You Need Renters Insurance In New Jersey?
No state law requires renters insurance. However, many landlords and leasing companies require their residents to buy policies and provide proof of coverage. They will usually tell you their requirements when you sign your lease.
2How Much Does Renters Insurance Cost For An Apartment In New Jersey?
The average rent in New Jersey is about $1,084 per month, but that is much higher than the nationwide median. However, the average renters insurance cost is quite affordable, and usually costs about $16 per month. Of course, your policy price will vary based on numerous factors, but your BluCanopy representative can help you ensure it will always meet your needs while remaining affordable.
3What Type Of Renters Insurance Is Available In New Jersey?
Most renters insurance policies include several types of coverage:
- Liability Coverage: If you cause bodily injury or property damage to someone else (a neighbor, friend, stranger, your landlord, etc.), then this coverage can help you cover costs, such as their medical bills or property repairs. It can also cover your legal bills when someone sues you.
- Possessions Insurance: Such incidents as fire, theft, vandalism, storms or related hazards might damage your belongings. This coverage can pay to replace them.
- Additional Living Expenses: If a problem in your rental home forces you to move out temporarily, then this coverage can help you relocate somewhere else in the meantime.
Your policy might also include medical payments coverage that pays for someone else's injury costs regardless of negligence. Also, you might also have coverage for pet bite liabilities. If you need your coverage to include additional protection for specialty items, such as collectibles, then speak to a representative about the best way to expand your coverage.
4What Does Renters Insurance Cover In New Jersey?
Your renters insurance can include coverage for damage from:
- Lightning and hail
Also, while water damage from burst pipes might have coverage, damage from floods is not. BluCanopy can help you find expanded coverage that you can add to your policy.
5How Does Auto Insurance Work In New Jersey?
Car insurance helps a driver pay for the costs of vehicle damage, accident injuries, theft, lawsuits arising from wrecks and other vehicle losses. It’s a great benefit for any driver, because you never know when an accident might happen or how expensive the damage might be. Our agents are committed to working with you to optimize your plan to your advantage.
6What Auto Insurance Is Required By Law In New Jersey?
Auto insurance is mandatory in New Jersey. There are two types of policies to choose from:
- Basic Policies: Though these plans will help you meet the legal requirements to drive, they offer substantially lower coverage than standard policies. Your ability to sue someone following an accident might also be limited.
- Standard Policies: Standard policies offer minimum coverage limits that also help you meet your legal requirements, but they provide much more substantial protection than basic policies.
You must buy the following coverage:
- Property Damage Liability Insurance: If a wreck is deemed your fault, then this coverage will pay other parties (such as other drivers or property owners) for their property damage.
- Personal Injury Protection (PIP): Regardless of whose fault an accident is, this coverage can help you pay for your own medical bills and other expenses (I.e. lost income, living expenses) if you get hurt in a wreck. It is sometimes called no-fault auto insurance.
- Uninsured/Underinsured Motorist Coverage: This is only required if you buy a Standard policy. This coverage will pay for your own property damage and injuries if another at-fault driver commits a hit-and-run, has no liability insurance or if their liability limits are too low to compensate you.
Still, it is highly recommended that all drivers carry more than just the mandatory coverage required of them. Some of the benefits to consider adding to your plan include:
- Higher liability, PIP and uninsured/underinsured coverage limits than the minimum limits.
- Collision Insurance: This pays for your vehicle damage following wrecks.
- Comprehensive Coverage: If a non-accident hazard — such as a fire, severe weather, theft or vandalism — damages your car, then this coverage can pay for your repairs.
Various other types of coverage, such as roadside assistance, rental car reimbursement, gap insurance, replacement cost coverage endorsements and other perks, might also be available from your insurer.
7How Are Auto Insurance Rates Determined In New Jersey?
Factors like your risk of accidents, insurance history, driving record, chosen policy limits, your vehicle value and the insurance carrier you choose can influence your auto policy’s costs. However, multiple discounts and savings opportunities are also available. Ask which carrier offers you the most opportunities to save.
8How Does Home Insurance Work In New Jersey?
No home is indestructible, no matter how hard you work to protect it. Home insurance can help you afford to pay for property damage and other losses without a huge financial loss. It’s there to make you feel safe in your home while keeping you financially secure.
9What Does Home Insurance Cover In New Jersey?
Like any other insurance policy, home insurance must be customized to your needs. Your policy usually must contain several benefits:
- Dwelling Coverage: This insures your house itself against damage.
- Detached Structures Coverage: This covers other buildings on your property — such as detached garages, carports or storage sheds.
- Liability Insurance: If you harm someone else negligently, then this coverage can compensate that person for their medical bills or property damage.
- Possessions Coverage: When something damages your belongings, this coverage can help you afford to repair or replace the item.
- Loss of Use Insurance: When your home sustains damage, you might have to move out temporarily. This coverage can pay for certain living expenses during this time.
Other benefits that you might need include accidental medical payments coverage, high-value possessions riders, water and sewer backups coverage and pet liability insurance. Ask your agent about the endorsements that you can add to your plan.
If you are looking for flood insurance or earthquake insurance, then we will help you find the appropriate plan.
10How Much Home Insurance Do I Need In New Jersey?
All our policy options can be customized for high-value homes, condominiums, landlord-owned properties, and mobile or manufactured homes. That’s why we will work with you to increase your coverage in the most effective ways. Our goal is to protect your home’s full property value as closely as possible. With our help, you can minimize your personal losses from any household accident.