New Jersey residents face a unique mix of environmental, traffic, and weather-related challenges that lead to a wide variety of insurance claims each year. Whether you’re a homeowner, driver, or business owner, understanding the most common claims in the Garden State—and how to prevent them—can save you time, stress, and money.
Here are the top 5 insurance claims in New Jersey and smart strategies to avoid them:
1. Wind and Storm Damage (Especially from Nor’easters and Hurricanes)
Why it’s common:
New Jersey’s coastal location makes it a hotspot for severe weather. High winds, heavy rain, and storm surges can wreak havoc on roofs, siding, fences, and even entire properties.
How to avoid it:
- Inspect your roof annually and reinforce weak spots.
- Trim trees and branches close to your home.
- Install storm shutters or impact-resistant windows.
- Consider flood insurance even if you’re not in a high-risk zone—standard policies don’t cover flood damage.
2. Auto Accidents (Particularly Rear-End Collisions)
Why it’s common:
New Jersey is known for its dense population and heavy traffic, especially on highways like the Garden State Parkway and Route 80. Rear-end collisions are among the most frequent auto claims.
How to avoid it:
- Maintain a safe following distance—use the 3-second rule.
- Avoid distractions, especially texting or eating while driving.
- Regularly check brake lights and tire pressure.
- Consider installing a dash cam or driver assistance technology.
3. Water Damage from Burst Pipes or Appliance Leaks
Why it’s common:
Winter temperatures in NJ can drop dramatically, causing pipes to freeze and burst. Older homes in particular are vulnerable to plumbing failures.
How to avoid it:
- Insulate exposed pipes, especially in attics, basements, and garages.
- Set your thermostat to a consistent temperature during cold months.
- Install a leak detection device near water heaters and washing machines.
- Turn off your water main if leaving for an extended trip.
4. Fire and Smoke Damage
Why it’s common:
From electrical fires in older homes to cooking mishaps and faulty heating systems, fires remain a major concern throughout New Jersey.
How to avoid it:
- Check smoke alarms monthly and change batteries twice a year.
- Never leave cooking unattended.
- Have your HVAC system and chimney inspected annually.
- Don’t overload electrical outlets or use frayed cords.
5. Theft and Vandalism
Why it’s common:
Urban and suburban areas across New Jersey can be targets for burglary, car theft, or vandalism—especially around the holidays or in areas with lower visibility.
How to avoid it:
- Install a monitored home security system and use motion-sensor lighting.
- Keep doors and windows locked, even when you’re home.
- Park in well-lit areas and never leave valuables in plain sight in your vehicle.
- Notify neighbors if you’ll be away and pause mail delivery.
Contact John Johnson Insurance Services!
While no one can predict every accident or natural disaster, being proactive can significantly reduce your risk—and help lower your premiums. If you haven’t reviewed your policy recently, now’s a great time to schedule a coverage check-up with your insurance advisor.
Stay prepared, stay protected—and let your insurance work for you, not against you. If you or someone you know is looking for a talented group of insurance providers in Budd Lake, New Jersey, contact our office at (908) 747-4282!