Even as one of the smallest states by geographical measure in the U.S., at just 7,354 square miles, New Jersey is no shrinking violet. There is nothing subtle about the Garden State’s reputation for living out loud and it packs an impressive number of “mosts” and “firsts” into its borders. And now, the state can add Hippo homeowners insurance in New Jersey to that list.
Numerous American treasures originated in New Jersey, from Sinatra and Springsteen to the very first baseball game and first drive-in movie theater. It’s the most densely populated state in the U.S. with over 1,000 people per square mile (over 8.8 million total); and the only state with all counties counted as major metropolitan areas. New Jersey is home to the most shopping malls in one area in the world; the longest boardwalk in the world (Atlantic City); and the densest network of highways, major roads and railroads in the nation.
It’s also the car theft capital of the world, though conversely, the state actually boasts one of the lowest home burglary rates in the country at just 4.4 per 1,000 homes – and that number is on the decline. This likely contributes to the fact that the average annual cost of home insurance in New Jersey is less expensive than in 20 other states. One major reason for that happily decreasing statistic: an increase in smart devices like doorbell cameras that alert homeowners when there is activity detected. Which is just one of the many reasons Hippo Insurance is a great fit for New Jersey homeowners.
Hippo provides complimentary smart home device kits with every new policy, which help homeowners detect water leaks, smoke alarms or unwanted movement which includes a smart home discount on insurance premiums. Also of note is the average 25% savings Hippo offers on policies that are tailored to the actual needs of your home and lifestyle. Such savings makes a significant impact, especially when you consider New Jersey’s enviable, if precarious coastal position that lies in the path of some of the most severe natural weather patterns.
Along with beach revelers and roulette players along the famed Jersey Shore and Atlantic City’s boardwalk, the summer months bring the threat of tropical storms, tropical depressions and the more severe Category 1-5 hurricanes. Hurricanes along the Jersey Shore are also known to come with devastating storm surges, torrential rains and even tornadoes. Besides the structural actual impact of such storms, flooding is of particular concern. As homeowners’ insurance policies do not include flood insurance, this is a supplemental policy that New Jersey customers will want to look into.
As the weather cools, hurricane season gives way to winters filled with football, hockey and the occasional nor’easter. These storms (literally named for the region's storms) bring high winds from the northeast that persist for at least 12 hours and typically occur within 100 miles of the coastline from Georgia up to New Jersey. As with hurricanes, flooding due to heavy rains and storm surges are a risk, with the added chill of winter’s blizzard conditions of ice and snow.
Like New Jersey itself, the real value and character of Hippo is the people. People who are passionate about helping you protect your greatest financial investment. Should you ever need to file a claim, your personal Hippo Concierge will take ownership of your claim from start to finish and provide insights and guidance through the process. This personal touch is backed by full-stack technology that automates the process and makes your experience as efficient as possible. Hippo is happy to be part of the Garden State, uncovering a faster and easier way to buy home insurance.
