New Jersey
New Jersey — the half of the tri-state we know just as well.
Many of our NY clients own or rent in Jersey City, Hoboken, Newark, or Edgewater. New Jersey has its own auto-tort framework, its own homeowner quirks, and its own no-fault rules — and we write across the river fluently.
What's different about NJ — at a glance
- Verbal-threshold vs zero-threshold tort selection. The choice has a much bigger long-term financial implication than the premium difference suggests. We walk you through it.
- NJ no-fault PIP. Minimum vs realistic limits given NJ medical-cost realities.
- NY-titled car, NJ garage (or vice versa). The right way to structure when you live across the bridge from where the car sleeps.
- Hoboken / JC condo HO-6. Walls-in vs all-in, master policy review, loss assessment.
- Workers' comp for NJ-registered small business. Required from your first employee — different from NY's threshold.
New Jersey reading, from the Notebook.
Buyer guide
Should I bundle auto + home with Allstate? Honest 2026 math for NYC and NJ
Bundling discounts average 15–25%, but they're not for everyone. Here's when bundling actually saves money — and when it costs you more.
July 8, 2026
Home
Sewer backup in NYC: what HO-3 and HO-6 exclude (and the $30 fix)
Standard NYC home and condo policies exclude sewer backup and drain overflow. Here's what that gap costs in older plumbing — and the cheap endorsement that closes it.
July 18, 2026
Buyer guide
First-time NYC home buyer insurance: checklist from binder to closing
The insurance part of a NYC home purchase confuses most first-timers. Here's exactly what to buy, when to buy it, and what your lender actually requires.
July 15, 2026
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