New Jersey Renters Insurance — Protect What You Own From $10/Month
Your landlord insures the building — but not your stuff. Abbey Insurance offers affordable NJ renters insurance that protects your belongings, covers your liability, and costs less than a tank of gas each month.
What NJ Renters Insurance Covers — And What It Doesn't
The most common misconception NJ renters have is that their landlord's insurance covers their belongings. It doesn't. Your landlord's policy covers the building's structure — walls, roof, and common areas. Your personal property, your liability, and your living expenses if you're displaced are entirely your responsibility. Renters insurance is what protects all of that — typically for less than you spend on streaming services each month.
Personal Property
Covers your furniture, electronics, clothing, and belongings if damaged by fire, theft, windstorm, vandalism, or other covered perils. Even off-premises (e.g., theft from your car).
Personal Liability
Covers you if someone is injured in your apartment or if you accidentally damage someone else's property. Includes legal defense costs up to your policy limit.
Loss of Use
Pays for hotel, meals, and other additional living expenses if your unit becomes uninhabitable due to a covered loss like fire or major water damage.
Medical Payments
Covers minor medical bills for guests injured in your rental, regardless of fault — helps avoid small claims that could affect your rates.
High-Value Item Riders
Standard policies have per-item limits. Add scheduled coverage for jewelry, art, cameras, musical instruments, and other valuables at their full appraised value.
What's NOT Covered
Flood damage, earthquake, and the building structure itself (landlord's responsibility). Separate flood coverage is available — ask us.
Why NJ Renters Skip It — And Why That's a Mistake
Most NJ renters who don't have renters insurance say it's because they assume they don't need it or can't afford it. Consider this: if a fire destroyed everything in your apartment, could you afford to replace your furniture, electronics, clothing, and kitchen appliances out of pocket? For most people, the answer is no — and that's exactly what renters insurance is for. At $10–$20/month, it's one of the best values in all of personal insurance.
NJ Renters We Serve — All 21 Counties
Abbey Insurance helps renters across all of New Jersey — from apartment dwellers in Hudson County and Passaic County, to college students in Middlesex, Mercer, and Monmouth counties, to families renting homes in Ocean County and Cape May County during the summer season. Whether you rent in Bergen County's suburbs or an older walkup in Essex County, we find the right coverage at the right price.
We also serve renters throughout Morris, Union, Somerset, Burlington, Camden, Gloucester, Atlantic, Hunterdon, Warren, Sussex, Cumberland, and Salem counties. No matter where in NJ you rent, Abbey has you covered.
Bundling: Save More on Renters + Auto
If you have a car, bundling your renters and auto insurance with the same carrier typically saves you 5–15% on both policies. Abbey's agents automatically check bundle pricing when building your renters quote — it's one of the easiest ways to maximize your savings without sacrificing coverage.
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Protecting your belongings across all 21 NJ counties. Takes about 3 minutes to get started.
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Protect Your Belongings — NJ Renters Insurance From $10/Month
Serving renters across all 21 New Jersey counties. Takes 3 minutes to get started. No pressure, no obligation.