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Directory · New Jersey · Homeowners

Who writes homeowners in New Jersey

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

New Jersey Manufacturers Group wrote the most homeowners in New Jersey in 2025, $622.7M and 13.5% of the state's premium; the top five groups hold 48%. New Jersey's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the New Jersey page.

By Sam Alishahi, independent insurance broker · All lines in New Jersey

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in New Jersey

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1New Jersey Manufacturers Group$622.7M13.49%44%New Jersey Casualty Insurance Company, New Jersey Indemnity Insurance Company, New Jersey Manufacturers Insurance Company, New Jersey Re-Insurance Company
2State Farm Group$496.3M10.75%60%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
3Allstate Insurance Group$484.7M10.50%37%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
4American Family Insurance Group$307.9M6.67%51%American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
5Travelers Group$291.5M6.31%37%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
6Liberty Mutual Group$243.2M5.27%34%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
7Chubb Ltd Group$227.0M4.92%43%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
8United Serv Automobile Assn Group$195.6M4.24%51%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
9Palisades Group$190.8M4.13%39%AtHome Insurance Company, High Point Preferred Insurance Company, High Point Property and Casualty Insurance Company, High Point Safety and Insurance Company
10Farmers Insurance Group$117.3M2.54%35%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
Turned down?

Last resort for homeowners in New Jersey

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the New Jersey insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted list 'Licensed Insurance Carriers' (Last-Modified: Sat, 17 Oct 2026 15:16:06 GMT) covers every licensed carrier of every kind (P&C, life, health, title, fraternal, HMO...). It gives name, address, phone, NAIC number only: no company type, no lines, no domicile, no license date, so everything is kept and type/lines/domicile/since are empty; filter P&C by NAIC code against another source. Extra fields addr_state/address/phone are the mailing address on the list, not the state of domicile. 25 rows show 'NAIC No. 0' on the list (managed-care / medical-review vendors and purchasing alliances, not insurers) and are kept with naic=''. 6 exact repeats (same NAIC + name, second address) were collapsed to one row. White list prints the same NAIC code for more than one company (kept as printed, verify before matching): 13064 = Tudor Insurance Co. / United National Insurance Co.. Surplus Lines White List dated 2026-09-16: 219 foreign/domestic eligible insurers with 5-digit NAIC codes (domicile NJ set only for the domestic section; foreign rows have no domicile on the list) and 95 alien insurers carried with naic='' and their NAIC IID/AIN number in the extra 'ain' field. 'eligible' is filled only where a footnote gives an approval effective date (this release's additions); other rows have no date on the list. Footnote markers like (A-3)/(NC-3) are stripped from names. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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