Selective offers the most affordable homeowners insurance in New Jersey, with customizable options for high-value homes. NJM is noted for customer satisfaction, providing various endorsements. Allstate caters to homeowners who rent out properties, offering unique coverage for short-term rentals. State Farm provides extended replacement cost coverage, while USAA serves military families with tailored benefits. Homeowners insurance in New Jersey covers property damage and personal liability, with average costs around $1,158 annually.
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