Home Insurance Non-Renewals in New Jersey, County by County
0.80 percent of New Jersey homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 0.47% | 0.94% | 0.69% | 0.51% | 0.85% | 0.80% |
The New Jersey series turns on a single year. Between 2018 and 2019 the rate went from 0.47 percent to 0.94 percent, a single step of 0.47 points, and no other step in the file is larger. The six-year change is only +0.33 points, because the other four steps net to 0.14 points in the opposite direction. On the 2023 rate that is 34th of 51 jurisdictions in the file. The low year is 2018. The high point in the file is 2019 at 0.94 percent, so 2023 is not this state’s worst reading. Across the five year-on-year steps the rate rose twice and fell three times. Cape May tops the 2023 readings at 1.45 percent, with Atlantic next at 1.13 percent, 0.32 points behind. Across the 21 counties with a 2023 reading the midpoint is 0.77 percent against 0.80 percent for the state. Top to bottom the 2023 readings cover 0.91 points, with the lowest county at 0.54 percent. Under the 2023 rate sit 7,178 policies the insurer chose not to renew out of 902,887 in force, against 4,087 out of 871,595 six years earlier, so the count of dropped policies rose over the file while the book behind it grew. The national top 100 counties by 2023 rate, counted from books of at least 500 policies, holds nothing from this state. Read every figure above as the insurer walking away at renewal rather than the customer shopping around. Cancellations by homeowners are counted nowhere in the file.
Every county in the file
Every county the committee reported is listed here with its 2023 policy count, and every one of those counts clears the 500 policies a rate needs before it can be ranked or named. Nothing on this page was set aside. A book that small turns a single lapsed policy into whole percentage points.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Cape May | 0.48% | 0.64% | 0.54% | 0.56% | 1.27% | 1.45% | 20,875 | up sharply |
| Atlantic | 0.55% | 1.05% | 0.65% | 0.65% | 1.28% | 1.13% | 26,473 | up sharply |
| Hudson | 0.45% | 1.23% | 1.15% | 0.86% | 1.43% | 1.04% | 23,340 | up sharply |
| Essex | 0.64% | 0.98% | 0.77% | 0.64% | 1.06% | 0.93% | 59,169 | up |
| Monmouth | 0.37% | 0.67% | 0.49% | 0.77% | 1.34% | 0.91% | 69,928 | up sharply |
| Ocean | 0.46% | 0.83% | 0.63% | 0.58% | 0.90% | 0.91% | 76,634 | up |
| Bergen | 0.49% | 1.00% | 0.86% | 0.57% | 0.75% | 0.80% | 97,844 | up |
| Cumberland | 0.43% | 1.01% | 0.64% | 0.57% | 0.74% | 0.78% | 14,861 | up |
| Middlesex | 0.39% | 1.06% | 0.76% | 0.37% | 0.62% | 0.78% | 75,975 | up |
| Somerset | 0.40% | 0.93% | 0.67% | 0.44% | 0.83% | 0.77% | 35,632 | up |
| Union | 0.53% | 0.96% | 0.68% | 0.50% | 0.81% | 0.77% | 51,068 | up |
| Passaic | 0.44% | 1.28% | 1.08% | 0.48% | 0.81% | 0.76% | 39,315 | up |
| Salem | 0.67% | 0.87% | 0.57% | 0.57% | 0.63% | 0.73% | 7,901 | flat |
| Mercer | 0.50% | 1.00% | 0.71% | 0.45% | 0.76% | 0.70% | 35,629 | up |
| Sussex | 0.50% | 0.74% | 0.64% | 0.41% | 0.63% | 0.70% | 21,456 | up |
| Hunterdon | 0.36% | 0.78% | 0.61% | 0.41% | 0.90% | 0.69% | 16,320 | up |
| Morris | 0.43% | 0.78% | 0.58% | 0.49% | 0.72% | 0.66% | 58,472 | up |
| Camden | 0.50% | 1.09% | 0.59% | 0.41% | 0.71% | 0.63% | 62,965 | up |
| Warren | 0.36% | 0.86% | 0.66% | 0.37% | 0.75% | 0.62% | 14,012 | up |
| Burlington | 0.50% | 0.91% | 0.53% | 0.39% | 0.65% | 0.61% | 55,292 | up |
| Gloucester | 0.44% | 0.79% | 0.49% | 0.35% | 0.53% | 0.54% | 39,726 | up |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Notice periods before a non-renewal are set by state law and this desk has not yet sourced the New Jersey statute. The states it has checked are on the coverage map. For New Jersey, the department of insurance is the record that governs.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.