Get Trenton, NJ Home Insurance Rates!

Enter your Zip Code:    
Easily compare up to 12 competitive Trenton, NJ rates all in one place!

Trenton is not only the capitol of New Jersey, it is a beautiful city filled to the brim with history, great restaurants, and lovely people who call this wonderful city home. While the golden dome of the New Jersey State House and Annex is a major feature of our city, it’s just a start. We also have the New Jersey State Museum that celebrates the cultural and artistic life of our state.

History is in our DNA here in Trenton. Our World War II Memorial and the War Memorial are attractions enjoyed not only by visitors but locals as well. When its time to wind down our award winning restaurants and nightclubs are an excellent distraction.

Trenton Facts

Trenton has a population of 84,349 people according to the 2010 census. It is the county seat of Mercer County and is roughly 8.155 square miles in area. Trenton is considered part of the Greater New York City Combined Statistical Area, which has a population of 19.9 million making it the most populous statistical area in the country.

Trenton is fairly affordable but prices are headed up. Trenton has a median home price of $224,000, which was a 21.1 percent increase from a year ago. The average price per square foot hit $164 last year. Popular neighborhoods in Trenton include Glen Afton & The Island and Chambersburg.

Homeowners Insurance in Trenton

While New Jersey homeowners insurance has gone up in recent years, its still more reasonable than other states. According to the NAIC, the average premium for New Jersey homeowners coverage was $915 in 2011.

A great way to drive your insurance premiums even lower is to bundle your coverages. Writing your homeowners and auto coverage with the same insurer can result in up to a 20 percent discount. In addition to a bundling discount you should ask for all of the discounts that you are entitled to receive. Here are just a few discounts that you just might qualify for:

  • New Roof - If you just put a new roof on your house call your agent and ask for a discount.
  • HOA - Neighborhoods that are protected by a homeowners association are eligible for a discount.
  • Sprinkler System - If you have a sprinkler system installed in your home expect a hefty discount.

For more information about discounts and credits, please visit our home insurance discounts page.

Factors to Consider in Trenton

One of the biggest factors affecting Trenton homeowners rates is crime. Trenton’s crime rate is significantly higher than neighboring towns. Crime rates vary dramatically between neighborhoods so be sure to check crime rates in any neighborhoods that you are considering.

New Jersey is home to plenty of natural disasters and that can certainly affect your homeowners coverage. A typical homeowners policy does not cover flood damage so if you live in a flood prone area, purchasing a flood insurance policy is a necessity. Flood insurance can be expensive so prepare to have your premium shoot up.

Compare Homeowners Insurance Rates in Trenton, NJ!

Enter your Zip Code:    

Get up to 12 competitive Trenton, NJ homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Trenton, NJ rates all in one place!

Average Rates Nearby Trenton

Are you looking for homeowners insurance in a city near Trenton? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Trenton, NJ

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Trenton.

08608,     08609,     08610,     08611,     08618,     08619,     08620,     08628,     08629,     08638,     08690,     

Trenton, NJ Home Insurance Average Premiums

Local Trenton, NJ home insurance quotes comparison

$698 /yr.

Shows Trenton's lowest average rates with discounts applied.

For the city of Trenton, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$698 /yr.
Average Coverage:$948 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1248 /yr.

What is the average home insurance cost for a home in Trenton, NJ?

  • • The average homeowners insurance premium paid annually for a home in Trenton is around $948 per year.

What does it cost on average per month for home insurance in Trenton, NJ?

  • • Homeowners in Trenton pay an average cost per month around $79.00 for insurance coverage.

Trenton, NJ Coastal Wind, Hail & Flood Information

Trenton is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Trenton, NJ - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $263,192 $239,957
February $267,568 $243,234
March $272,303 $246,318
April $274,693 $248,791

Homeowners insurance will help cover the cost to repair or replace your Trenton home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Trenton
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Trenton, NJ homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Trenton, NJ rates all in one place!

Saving Money Tips on Trenton Home Insurance

A great way to save money on Trenton homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Trenton area? Check out what homeowners are paying on average for New Jersey homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
80 ft. This is the average home elevation in Trenton, NJ

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Trenton, New Jersey.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Trenton, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Mercer County.

New Jersey Homeowners Insurance News & Information

  • 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 […]

  • Mortgage Payment Relief 2020: Tips & Questions Posted on Tuesday 21st April, 2020

    Homeowners across the country are suffering as unemployment climbs across all industries, making it difficult for many homeowners to cover all of their bills. The Federal government, as well as some private mortgage companies are offering a bit of help by allowing some homeowners to apply for mortgage relief. While this sounds great, there can […]

  • New Mortgage Relief for New Jersey Homeowners During Coronavirus Crisis Posted on Wednesday 15th April, 2020

    Aerial view of Atlantic City, New Jersey, overlooking Atlantic City Boardwalk and pier. In a recent announcement, New Jersey Gov. Phil Murphy revealed the details of a 90-day grace period for mortgage payments for all New Jersey homeowners that have been financially impacted by the outbreak of the coronavirus. This will allow New Jersey residents […]

Trenton, NJ Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Trenton so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Trenton, NJ?

- The average square footage in Trenton is around 1,053 Sq. Ft. which would cost you around $203,222 to replace the home if you base the home on the price to build per square foot of $193.

Minimum Replacement Cost Total: $203,222

Location: Trenton, New Jersey (Mercer County)

Average Building Cost Per Square Foot in Trenton: $193 (low end)

Average Square Footage in Trenton: 1,053 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$193$203,222
Some Additional Upgrades$241$254,028
Major Home Updates or Advancements$290$304,833

The dwelling coverage is calculated by the average cost per square foot ($193) in Trenton, New Jersey times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $603,125 (Media price to build of $241 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.