Salem County, NJ Homeowners Insurance Quotes

Getting the afforable homeowners coverage that you want in Salem County can be difficult with so many options available from local captive agents to the online comparison marketplace. It is important to know that proper coverage means doing the necessary research on your own or speaking with a home insurance professional that can help you find the affordable coverage you need with a carrier you trust. Shopping online with us at GetHomeInsuranceQuotes.com of New Jersey allows you to get top quality service from the best insurance carriers available in your area. Our rates can be shared with you online, through email, on the phone or even on our chat mesage service to help make shopping easier for you. It's important you know the coverage options available for your home in Salem County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current policy. And most of all, we can provide easy ways to help you save more money while getting more protection for your home in case if something happens. Start your online home insurance quote today!

Salem County, NJ Prices Per Year

New Jersey homeowners insurance premiums are on the increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Salem County is ranked higher in the nation with an average annual premium of $1277/yr. When comparing home insurance cost and coverage options, it's important to understand that the base premium for a standard homeowners policy may look great in terms of affordability, but maybe not so helpful in terms of the coverage and protection when you need it the most. Let us help you first compare quotes and then we can provide a free consultation to help you determine the best company and coverage options available in Salem County.

Coastal Salem County, NJ Home Insurance Rates

For coastal properties, flood protection is crucial for areas like Salem County that are prone to hurricanes, flooding and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. A flood insurance policy is not part of your standard homeowners policy, but can easily be bundled to help give you the added protection you need by combining an HO-3 policy with wind and hail coverage plus flood insurance. We offer an easy way to review the best flood insurance rates for Salem County, please give us a call at at 1-855-976-2656. If you are only looking for flood insurance only then please contact our flood insurance agent at 1-888-620-1954 for completitive flood insurance rates in Salem County.

For all Salem County, NJ residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.

Are you looking for a homeowners insurance quote in Salem County? Simply enter your zip code to get your New Jersey homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Salem County, NJ Housing Demographics

With 66,083 residents living within the Salem County area there are over 27,417 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 17,557 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Salem County.

Salem County, NJ Coastal Wind, Hail & Flood Information

For all homeowners living in Salem County (FIPS: 34033), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of New Jersey is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Salem County, NJ, it's important that you look into hurricane and windstorm insurance options.

Salem County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of New Jersey.

Helpful Articles:

• Wind & Hail Home Insurance Coverage Guide
• Am I underinsured for hurricane damage?

• Buy Flood Insurance: What we learned from Hurricane Ida Posted on Monday 20th September, 2021

  On September 2, 2021, Parked cars in New Brunswick, New Jersey submerged underwater after Tropical Storm Ida. Hurricane Ida struck Louisiana as a category 4 hurricane with 150 mile an hour winds and days later hit New Jersey, New York, and other states with a massive amount of rain that has caused numerous flash floods, […]

• FEMA’s new rating system is called “Risk Rating 2.0,” effective October 1st, 2021 Posted on Wednesday 28th April, 2021

  A recent report by ValuePenguin looked at the new risk ratings that the Federal Emergency Management Agency’s (FEMA) will be using when determining premiums for flood insurance in the National Flood Insurance Program (NFIP). The report found that millions of homeowners could see noticeable increases in flood insurance costs. FEMA’s new rating system is called […]

• Update: New Jersey Ordered Insurance Relief Posted on Wednesday 22nd April, 2020

  New Jersey residents may see some relief from insurance premiums due to COVID-19 pandemic. Recently, the New Jersey Department of Banking and Insurance ordered insurers to provide financial relief to residents and businesses.  The guidance was signed last week by Governor Phil Murphy and extends the grace periods during which insurance companies will not be […]

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your New Jersey homeowners insurance.

• Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Salem County, this discount can save you up to 20% on your home insurance premium.
• Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Salem County that do combine their home and auto can save over $500 with this discount.
• Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Salem County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
• Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
• Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.