New Jersey HO8 Insurance

New Jersey HO-8 Insurance policy is designed for older homes in New Jersey. The New Jersey HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in New Jersey are Prudential, Safeco, Farmers Insurance and Nationwide and they operate in cities such as Trenton, Paterson, Camden or Newark.


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What Will HO8 Insurance Cover in New Jersey?

A standard home insurance policy in New Jersey whether you live in Trenton, Newark or Paterson will cover most damages to your NJ home and your personal belongings from perils such as fire, vandalism damage from falling objects, riots, theft, trucks or vehicles.

What is New Jersey HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in New Jersey. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in New Jersey?

The policy will cover any home in the state New Jersey such as:
  • Trenton, NJ
  • Newark, NJ
  • Paterson, NJ
  • Jersey City, NJ
  • Camden, NJ
  • New Brunswick, NJ
  • Hamilton, NJ
  • Atlantic City, NJ
  • Clifton, NJ
  • Princeton, NJ
  • Edison, NJ
  • Dover, NJ
  • Toms River, NJ
  • Elizabeth, NJ
  • Tinton Falls, NJ
  • Red Bank, NJ
  • Plainfield, NJ
  • Morristown, NJ
  • North Plainfield, NJ
  • East Orange, NJ