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Insurers that Write Homeowners Policies in New Jersey


This list includes all insurance companies that have Homeowners policies in effect in New Jersey. This includes owners, renters/tenants, and condos.

In addition to the list below, the following companies only write Renters/Tenant Policies

Looking for Mobile Homeowners Insurance?

Looking for Companies that Write Private Flood Insurance?


Insurer Telephone Number Direct Writer* or Agent**
Web site
Affiliated FM Insurance Company
(membership only for company employees and retirees)
1-800-343-7722 Direct
www.affiliatedFM.com
Allstate Group

  • Allstate NJ Insurance Company (not accepting any new owners and condos business) (accepting new business for renters only)
  • Allstate New Jersey Property & Casualty Insurance Company (owners and condos only)
908-252-5000 Agent
www.allstate.com
  • Encompass Insurance Company of NJ (not accepting any new business)
  • Encompass Property and Casualty Insurance Company of New Jersey
1-800-260-1454

1-800-558-7400
(Claims)
Agent
www.encompassinsurance.com
American European Group 

  • American European Insurance Company 
1-833-378-3781
(ShoreOne Homeowners)
Agent
www.shoreoneinsurance.com

  • Rutgers Casualty Insurance Company
1-800-222-3058
856-779-0600
Agent
www.aeiginsurance.com
American Family Insurance Group
  • Homesite Insurance Company (not accepting any new owners or renters business; accepting new condo business only)
  • Homesite Insurance Company of the Midwest (accepting new owners and renters business only)
  • American Family Connect Property and Casualty Insurance Company (not accepting any new business)

 

1-800-466-3748

 



1-800-842-3344


Direct
www.homesite.com



Direct

www.ameriprise.com

American International Group
  • AIG Property Casualty Company
1-800-613-5207
Agent
www.aig.com

American Modern Property and Casualty Insurance Company (condos only; not accepting any new business)

1-800-543-2644 Agent
www.amig.com
American Strategic Insurance Corporation 1-866-274-8765 Agent
www.americanstrategic.com
AmGUARD Insurance Company 1-800-673-2465 Agent
www.guard.com
Amica Mutual Insurance Company 1-800-652-6422 Direct
www.amica.com
Andover Group
  • Merrimack Mutual Fire Insurance Company
  • Bay State Insurance Company
  • Cambridge Mutual Fire Insurance Company
978-475-3300 Agent
www.andovercos.com
Armed Forces Insurance Exchange
(membership company for military personnel)
913-727-5500 Direct
www.afi.org

Assurant Group

  • American Bankers Insurance Company of Florida
1-800-268-6146
(Homeowners)

1-888-260-7736
(Renters)
Agent
www.assurant.com

Agent
www.myassurantpolicy.com
  • American Security Insurance Company (condos only)
1-800-852-2244 Agent
www.Assurantspecialtyproperty.com
Berkley Insurance Company
1-800-866-2308 Agent
www.berkleyone.com

California Casualty & Fire Insurance Company
(membership group for educators, firefighters, nurses, state police and members of United MileagePlus) (not accepting any new business)
1-866-680-5143 Direct
www.calcas.com
CHUBB Group
  • Chubb Insurance Company of NJ
  • Federal Insurance Company
  • Great Northern Insurance Company
  • Pacific Indemnity Company
  • Vigilant Insurance Company
  • Atlantic Employers Insurance Company (not accepting any new business)
  • Bankers Standard Insurance Company (not accepting any new business)
1-866-324-8222

1-800-352-4462
Agent
www.chubb.com
Cincinnati Insurance Company 1-888-242-8811 Agent
www.cinfin.com
Clear Blue Insurance Company (not accepting any new business) 1-855-479-9338 Agent
www.clearblueinsurancegroup.com

CSAA General Insurance Company 1-888-222-0094 Direct and Agent
www.csaainsurance.aaa.com
Cumberland Mutual Fire Insurance Company 856-451-4050 Agent
www.cumberlandgroup.com
Electric Insurance Company (not accepting any new business) 1-800-342-5342 Direct
www.electricinsurance.com

Farm Family Group

  • United Farm Family Insurance Company
1-800-843-3276

1-888-382-6722
Agent
www.farmfamily.com

Farmers Insurance Company of Flemington

908-782-4120 Agent
www.FarmersofFlemington.com
Farmers Insurance Group
  • Truck Insurance Exchange (not accepting any new owners business) (accepting new business for renters and condos only)
  • Mid-Century Insurance Company (owners only)

1-800-327-6377
1-888-327-6335

Agent

www.farmers.com
Farmers Mutual Fire Insurance Company of Salem County 856-935-1851 Agent
www.farmersofsalem.com
Foremost - A Farmers Insurance Company

  • Farmers Property and Casualty Insurance Company
  • Farmers Casualty Insurance Company
  • Farmers Group Property and Casualty Insurance Company
1-800-422-4272
For Agent Business


1-800-888-2308 (Farmers Group) For Group/Call Center Business
Direct
GroupSelect (Farmers Group)
www.myautohome.farmers.com

Agent
Foremost Signature (Farmers P&C)
www.foremostagent.com
  • Foremost Insurance Company Grand Rapids, Michigan
    (not accepting any new renters or condo business)
1-800-237-2060 Agent
www.foremost.com
Founders Insurance Company 717-234-4941 Agent
www.pennnationalinsurance.com
Franklin Mutual Group
  • FMI Insurance Company
973-948-3120 Agent
www.fmiweb.com
Great Bay Insurance Company (owners only) 1-609-434-2000 Agent
greatbayinsurancegroup.com
Hanover Insurance Group
  • Citizens Insurance Company of America
    (not accepting any new business)
  • Hanover Insurance Company
  • Massachusetts Bay Insurance Company
    (not accepting any new business)
508-853-7200 Agent
www.hanover.com
Hartford Group
  • Hartford Underwriters Insurance Company
    (membership company for AARP; not accepting any new business)
  • Property Casualty Insurance Company of Hartford
    (membership company for AARP; not writing new business)
  • Trumbull Insurance Company
    (membership company for AARP; not writing new business)
  • Nutmeg Insurance Company
    (membership company for AARP)
  • Hartford Fire Insurance Company
1-800-843-7824
(AARP)


1-800-460-9783
(Non-AARP)
Direct
www.aarp.thehartford.com/mypolicy
(AARP)


www.hartfordauto.thehartford.com

(Non-AARP)
HCI Group, Inc.
  • Homeowners Choice Property & Casualty Insurance Company, Inc. (not accepting new business)
  • TypTap Insurance Company (owners only)
1-888-210-5235

1-844-289-7968
Agent
www.hcpci.com

www.typtap.com

Hyundai Marine & Fire Insurance Company, Ltd. 1-855-436-3467 Agent
www.hyundaiinsuranceusa.com
Kingstone Insurance Company (not accepting any new business) 1-800-364-7045 Agent
www.kingstoneinsurance.com
Lemonade Insurance Company 1-844-733-8666 Direct
www.lemonade.com
Liberty Mutual Group
  • Liberty Mutual Fire Insurance Company (not accepting any new business)
  • Liberty Mutual Mid-Atlantic Insurance Company
  • LM Insurance Corporation
  • Safeco Insurance Company of America
  • American Fire and Casualty Company (not accepting any new business)
  • Ohio Casualty Insurance Company (not accepting any new business)
  • West American Insurance Company (not accepting any new business)
  • Excelsior Insurance Company (not accepting any new business)
 
1-800-837-5254

1-800-225-2467
(Claims)


1-800-524-9400
(Sales)

1-800-225-8285
(Service)

1-800-542-5385
 

Agent
www.libertymutual.com

 

Agent
www.safeco.com

 

Agent
www.safecoinsurance.com

 

Markel Group

  • City National Insurance Company (owners only)
1-844-878-7529 Agent
www.Velocityrisk.com

  • State National Insurance Company, Inc. (condos and renters only)
1-855-695-3889 Agent
www.jetty.com
Mercer Insurance Company of NJ, Inc.
(not accepting new business)
609-737-0426 Agent
www.mercerins.com
Mercury General Group
  • Mercury Insurance Company of Illinois
1-800-956-3728 Agent
www.mercuryinsurance.com
Motors Insurance Corporation
(owners only;
not accepting any new business)
1-833-226-1524 Agent
www.myhippo.com
Narragansett Bay Insurance Company
(owners and condos only)
1-800-343-3375 Agent
www.nbic.com

National General Group

  • National General Insurance Company
  • New Jersey Skylands Insurance Association
    (not accepting new business)
  • MIC General Insurance Corporation
    (not accepting new business)
  • Integon National Insurance Company
    (n
    ot accepting new business)
1-800-325-1190

1-866-279-7688

1-800-325-1190

1-877-883-6599


Agent
www.NationalGeneral.com


Agent
www.njsi.com

Agent
www.NationalGeneral.com

Agent
www.NationalGeneral.com
Nationwide Group

  • Crestbrook Insurance Company (not accepting new business)
1-855-473-6410 Agent
www.nationwideprivateclient.com

  • Harleysville Insurance Company of NJ
1-800-523-6344 Agent
www.harleysvillegroup.com
NJ Manufacturers Insurance Company609-883-1300 Direct
www.njm.com

Norfolk and Dedham Group

  • Fitchburg Mutual Insurance Company (not accepting new business)
  • Norfolk and Dedham Mutual Fire Insurance Company (owners only)
1-800-688-1825 Agent
www.ndgroup.com
Occidental Fire & Casualty Company of North Carolina 1-800-481-0661 Agent
www.occidentalins.com
Pacific Specialty Insurance Company
(not writing tenants)
1-800-303-5000 Agent
www.pacificspecialty.com
Philadelphia Contributionship Group
  • Germantown Insurance Company
  • Philadelphia Contributionship Insurance Company
215-627-1752 Agent
www.contributionship.com
Plymouth Rock
  • High Point Preferred Insurance Company (not accepting any new business)
  • Palisades Property and Casualty Insurance Company

1-866-INSURANCE

1-877-725-6423

Agent
www.plymouthrocknj.com
Preferred Mutual Insurance Company 607-847-6161 Agent
www.preferredmutual.com
Privilege Underwriters Reciprocal Exchange (PURE) 1-888-813-7873 Agent
www.purehnw.com
Providence Mutual Fire Insurance Company 401-827-1800 Agent
www.providencemutual.com
QBE Insurance Group
  • Praetorian Insurance Company (owners and renters only)
  • QBE Insurance Corporation (not accepting any new business)
1-800-676-5066
1-800-660-4539
Agent
www.qbena.com
Selective Insurance Group
  • Selective Auto Insurance Company of New Jersey
973-948-3000

1-800-777-9656
Agent
www.selective.com
Spinnaker Insurance Company

1-866-896-7233

Agent
www.cabgen.com
State Farm Fire & Casualty Company 973-739-5000 Agent
www.statefarm.com
Stillwater Property and Casualty Insurance Company (formerly Fidelity National Property and Casualty Insurance Company) 1-800-849-6140 Agent
www.StillwaterInsurance.com
Travelers Group
  • Fidelity & Guaranty Insurance Underwriters, Inc. (not accepting any new business)
  • St. Paul Protective Insurance Company
1-800-692-6837 Agent
www.travelers.com
Universal North America Insurance Company
(not accepting any new business)
1-800-905-7550 Agent
www.uihna.com
Universal Property and Casualty Insurance Company 1-800-425-9113

1-844-633-9900

Agent
www.universalproperty.com


Direct
www.universaldirect.com

USAA Group
(membership group for military personnel)
  • Garrison Property and Casualty Insurance Company
  • USAA Casualty Insurance Company
  • USAA General Indemnity Company
  • United Services Auto Association
1-800-531-8722 Direct
www.usaa.com
US Coastal Insurance Company 1-866-896-7233 Agent
www.cabgen.com
Utica First Insurance Company 1-800-456-4556 Agent
www.uticafirst.com
Vault Reciprocal Exchange    1-888-368-2858 Agent
https://vault.insurance
Zurich American Insurance Company (owners only) 1-800-382-2150 Agent
www.zurichna.com
 
Insurers that Write Tenant Policies in New Jersey

This list includes insurance companies that only write Tenant/Renters policies.

Insurer Telephone Number Direct Writer* or Agent**
Web site
American Modern Insurance Group
  • American Modern Home Insurance Company
1-800-543-2644 Agent
www.amig.com
American National Property & Casualty Company 1-888-205-8118 Agent
www.anpac.com
Century National Insurance Company 1-800-894-8384 Agent
www.cnico.com
Dealers Assurance Company 1-866-333-6097 Direct
www.yourrentersinsurance.com
Drive New Jersey Insurance Company 1-800-PROGRESSIVE Agent
www.progressive.com
Esurance Insurance Company of New Jersey* (not accepting any new business)

*written exclusively as an endorsement to a personal automobile insurance policy with the company
1-800-378-7262 Agent
www.esurance.com
Farmers Insurance Group
  • 21st Century Premier Insurance Company

Not applicable

Direct
www.gettoggle.com
Fidelity & Deposit Company of Maryland 1-800-548-1616 Agent
www.deanshomer.com
Hanover Fire & Casualty Insurance Company 1-800-919-FIRE Agent
www.hanoverfire.com
Liberty Mutual Group
  • Liberty Mutual Insurance Company
  • Wausau Underwriters Insurance Company
1-800-524-9400

Direct
www.libertymutual.com

Lyndon Southern Insurance Company 1-800-888-2738 Agent
www.fortegra.com
Markel American Insurance Company 1-800-236-2862 Agent
www.markelamerican.com
Plymouth Rock*
  • Teachers Auto Insurance Company of New Jersey (membership company for employees of educational institutions)
  • Palisades Insurance Company
  • Palisades Safety & Insurance Association

*written exclusively as an endorsement to a personal automobile insurance policy with the company

1-866-658-3224 (Teachers)

1-877-725-6423 (Palisades)

Direct www.plymouthrock.com/resource-center/nj-insurance-guides

Agent www.plymouthrock.com/resource-center/nj-insurance-guides

Security First Insurance Company 1-877-592-3335 Agent
www.SecurityFirstFlorida.com
Trisura Insurance Company 1-844-788-0873 Direct
www.msimga.com

 

Insurers that Write Mobile Homeowners Policies in New Jersey

This list includes insurance companies that write Mobile Homeowners policies.

Insurer Telephone Number Direct Writer* or Agent**
Web site
Aegis Security Insurance Company (not accepting any new business) 1-800-233-2160 Agent
www.aegisfirst.net
Allstate New Jersey Insurance Company (renewal business only)
908-252-5000 Agent
www.allstate.com
American Bankers Insurance Company of Florida 1-800-535-1333 Agent
www.assurant.com
 

American Family Insurance Group

  • Homesite Insurance Company (not accepting any new business)
1-800-466-3748 Direct
www.homesite.com

Foremost - A Farmers Insurance Company
  • Foremost Insurance Company Grand Rapids, MI
  • Foremost Property & Casualty Insurance Company
1-800-237-2060


1-800-752-2461
Direct and Agent
www.foremost.com


Direct and Agent
www.aarpforemost.com
Munich Re Group
  • American Modern Property and Casualty Insurance Company
1-800-543-2644 Agent
www.amig.com
State Farm Fire & Casualty Company 973-739-5000 Agent
www.statefarm.com

 

Insurers that Write Private Flood Insurance Policies in New Jersey

The following companies offer coverage for flood through an endorsement to a Homeowners policy. To obtain flood coverage with these companies, you must also have or obtain a Homeowners policy with them.  Coverage is on a primary basis. 

Insurer Telephone Number Direct Writer* or Agent**
Web site
AIG Property Casualty Company 1-800-613-5207 Agent
www.aig.com
American Bankers Insurance Company of Florida 1-888-260-7736 (Renters) Agent www.myassurantpolicy.com
American European Insurance Company  1-833-378-3781 (ShoreOne Homeowners) Agent www.shoreoneinsurance.com
Berkley Insurance Company 1-800-866-2308 Agent
www.berkleyone.com
Cincinnati Insurance Company 1-888-242-8811 Agent
www.cinfin.com
Crestbrook Insurance Company 1-855-473-6410 Agent
www.nationwideprivateclient.com
Farmers Mutual Fire Insurance Company of Salem County 856-935-1851 Agent www.farmersofsalem.com
Homesite Insurance Company of the Midwest 1-800-466-3748 Direct
www.homesite.com
Kingstone Insurance Company
(Limited coverage for inland flooding only)
1-800-364-7045 Agent
www.kingstoneinsurance.com
Markel American Insurance Company 1-800-236-2862 Agent
www.markelamerican.com
Narragansett Bay Insurance Company 1-800-343-3375 Agent
www.nbic.com
Philadelphia Contributionship Insurance Company
Germantown Insurance Company
(Limited coverage for inland flooding only)
1-215-627-1752 Agent
www.contributionship.com

Privilege Underwriters Reciprocal Exchange (PURE) 1-888-813-7873 Agent
www.pureinsurance.com
Selective Auto Insurance Company of New Jersey(Limited coverage for inland flooding only) 1-800-777-9656 Agent
www.selective.com
Stillwater Property and Casualty Insurance Company 1-800-849-6140 Agent www.StillwaterInsurance.com
US Coastal Insurance Company 1-866-896-7233 Agent www.cabgen.com
 

Coverage for flood is available through the federal National Flood Insurance Program (NFIP).  For this option, please visit www.floodsmart.gov

As an alternative to the federal program, the following companies write private standalone flood insurance policies.  Some of these companies offer higher limits and/or coverage options not available through the NFIP.

Insurer Telephone Number Direct Writer* or Agent**
Web site
Federal Insurance Company 1-877-60CHUBB Agent www.chubb.com/us-en/individuals-families/flood.aspx
Homeowners Choice Property & Casualty Insurance Company
(Writing in Camden, Cape May, Hudson and Gloucester counties)
1-888-210-5235 Direct and Agent
www.HCPCI.com
Incline Casualty Company 1-800-449-8842 Agent
www.wrightflood.net

National General Insurance Company 1-800-325-1190 Agent
https://natgen.beyondfloods.com/
Zurich American Insurance Company 1-800-382-2150 Agent
www.zurichna.com
Surplus Lines Carriers
The Flood Insurance Agency
(Underwritten by Lexington, an AIG company;
100% insurance coverage identical to the FEMA policy)
1-877-356-6348 Direct and Agent
www.privatemarketflood.com
Neptune Flood Insurance Company 1-844-276-4081 Direct and Agent
www.neptuneflood.com
 

For higher insurance limits above or broader coverages than those offered through the NFIP or private primary policies, these companies will write excess policies.

Insurer Telephone Number Direct Writer* or Agent**
Web site
Bankers Insurance Company 1-866-356-6335 Agent
www.bankersinsurance.com
Federal Insurance Company 1-877-60CHUBB Agent www.chubb.com/us-en/individuals-families/flood.aspx
Wright National Flood Insurance Company (formerly known as Fidelity National Indemnity Insurance Company) 1-800-820-3242 Agent
www.wrightflood.com


*Direct Writer: The industry term for a company that uses its own sales employees to write its policies.

**To find an agent in your area,
check your telephone book or call the insurance company and ask for agents near you.

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