{"id":1715,"date":"2026-06-28T13:42:41","date_gmt":"2026-06-28T13:42:41","guid":{"rendered":"https:\/\/corporate-movers-usa.com\/?p=1715"},"modified":"2026-06-28T13:42:41","modified_gmt":"2026-06-28T13:42:41","slug":"home-insurance-costs-in-n-j-and-pa-are-below-national-averages-but-on-the-rise","status":"publish","type":"post","link":"https:\/\/corporate-movers-usa.com\/?p=1715","title":{"rendered":"Home insurance costs in N.J. and Pa. are below national averages but on the rise"},"content":{"rendered":"
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Being a homeowner is getting more expensive not only because of the rising costs of buying properties but also because of the rising costs of protecting them.<\/p>\n

Read more \u2018I was thrilled\u2019: Tony Shalhoub looks back at \u2018Big Night,\u2019 the ultimate Jersey Shore movie that turns 30<\/a><\/p>\n

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From 2020 to 2025, home insurance rates across the country increased by a cumulative 47%, according to an analysis by the online loan marketplace LendingTree. In 2024 alone, they rose by about 13%. They increased by 6% in 2025.<\/p>\n

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Last year, rates increased by 7.5% in New Jersey and just over 1% in Pennsylvania.<\/p>\n

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Homeowners are seeing higher prices because of more frequent and damaging severe weather events and rising costs of labor, materials, and repairs. <\/p>\n

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\u201cRising home insurance costs are forcing many homeowners to make difficult financial trade-offs,\u201d Lindsay Bishop, an insurance expert for LendingTree, said in a statement. \u201cThat suggests affordability pressures are becoming severe enough that some homeowners are questioning whether they can continue carrying coverage at all.\u201d<\/p>\n

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Nationwide, more than 12 million owner-occupied homes are uninsured, according to a LendingTree report from March. LendingTree called homes uninsured if owners spent less than $100 per year on home insurance.<\/p>\n

Read more See what $405,000 can buy you in the Fairmount, Drexel Hill, and Camden County housing markets | The Price Point<\/a><\/p>\n

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Of the country\u2019s 100 most populated metropolitan areas, the Philadelphia region ranks in the middle \u2014 47th \u2014 when it comes to shares of uninsured homes. Roughly 203,600 homes, or about 12%, did not have insurance in 2024.<\/p>\n

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Nationally, the average cost of home insurance is $2,395 per year. But costs are lower in New Jersey and Pennsylvania. The average cost is $1,449 in the Garden State and $1,712 in the Keystone State.<\/p>\n

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Costs vary by state because of their varying risks of severe weather.<\/p>\n

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Oklahoma, located in \u201cTornado Alley,\u201d is the state with the highest average home insurance cost \u2014 $5,298 per year. Next is Nebraska, also in \u201cTornado Alley.\u201d The average cost there is $4,956 per year.<\/p>\n

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Then comes Colorado, where homeowners pay an average of $4,310 per year. Colorado also was the state with the largest cumulative increase in home insurance costs from 2020 to 2025. The average rate more than doubled.<\/p>\n

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\u201cStates like Oklahoma, Nebraska, and Colorado experience greater damage from tornadoes, hail, wildfires, and severe storms,\u201d Bishop said. \u201cThis leads to more frequent and expensive claims, so it\u2019s unlikely that the gap between states will close dramatically unless the underlying risks change.\u201d<\/p>\n

Read more \ud83e\udd5c Still nutty after 50 years | Morning Newsletter<\/a><\/p>\n

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With home insurance rates continuing to climb, "some homeowners are questioning whether they can continue carrying coverage," said an insurance expert at LendingTree.<\/p>\n","protected":false},"author":1,"featured_media":1714,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,4],"tags":[],"class_list":["post-1715","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-housing","category-real-estate"],"yoast_head":"\nHome insurance costs in N.J. and Pa. are below national averages but on the rise - Corporate Movers USA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/corporate-movers-usa.com\/?p=1715\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home insurance costs in N.J. and Pa. are below national averages but on the rise - 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