Homeowners Insurance

Coverage for homeowners and renters in NJ and PA.

Whether you rent or own, your home is likely your biggest and most important asset. The team at Garden State Central is here to help you protect it from the unexpected.

You can’t always prevent unfortunate events in your home — from fires, to burglaries, to floods — but you can make sure you have the right insurance coverage. Even though homeowners insurance isn’t legally required, it is essential for your financial protection.


Homeowners insurance protects you financially from losses related to the home you own or are purchasing. If you rent your home, you should have renters insurance; if own a rental property, you should have landlord insurance. We can help you determine which option is best for your home, your family, and your specific situation.

Home Insurance Quote

Get in touch with us to get the most comprehensive home insurance coverage for the lowest cost. Get started on your homeowners insurance quote today.

Homeowners Insurance

Renters Insurance

Condo Insurance

Landlords Insurance

Home Insurance Coverages

Dwelling or structure

This coverage will help you repair or rebuild your home if it is damaged or destroyed. Exterior and interior elements of your home (not including the land) are covered. For example, the foundation, walls, roof, and the electrical and plumbing systems.

Personal property or belongings

This coverage would include theft of personal property and damage caused by covered circumstances, up to the financial limits specified by the policy. Some examples of belongings include clothing, furniture, appliances, or electronics. However, if you own valuables, such as jewelry, musical instruments, antiques, collectibles or fine art, you will likely need additional coverage — often called endorsements — for those items. Standard coverage may not be sufficient to cover a major loss.

Personal liability

This coverage protects you financially if someone is injured on your property, or if you or a family member accidentally damage someone else’s property or belongings. Personal liability can cover medical care and repair or replacement of damaged property. It also can protect your finances in case you are sued.

Added or additional living costs

If your house should become uninhabitable because of a disaster, your homeowners insurance can pay for alternative living arrangements while your home is being repaired or rebuilt. Depending upon your insurance company and the specifics of your policy, this may be included or may be an optional coverage. Your policy will specify daily and total overall dollar limits for this coverage.

Flood insurance

Flood insurance covers damage claims arising from the overflow of a body of water or the accumulation of surface water due to events like torrential rain, snowmelt, mudflow or storm surge. Flood insurance is typically provided by the federal government’s National Flood Insurance Program (NFIP) through insurance agents who sell the policies on its behalf. Every homeowner should consider purchasing flood insurance. If you wait until you need it, you won’t be able to buy it in time to help you.

Inayah LoveInayah Love
18:15 20 Jun 24
The process was smooth and easy and will for sure recommend to others.
Ed is a great guy and very easy to work with.
Robert LawrenceRobert Lawrence
22:33 23 Mar 24
I appreciate the time and effort Hector took to find me policies for all 3 of my vehicles. He was pleasant to talk to and very informative on products and services. He also showed general concern for my particular insurance needs.
Carlos BarreraCarlos Barrera
22:58 10 Dec 23
Good service, I recommend it 100%. Edmar will take care of you.
Alexandria PearsonAlexandria Pearson
20:55 09 Dec 23
Customer service representative was very nice he wasn't able to help me with a policy but was nice to refer me to place that would be able to help me. With that information I was able to get help.
Oscar MurilloOscar Murillo
23:51 06 Dec 23
Very good service 100% recommended
Felisa MillerFelisa Miller
19:14 29 Nov 23
After years of overpaying for insurance, I was finally referred to Edmar to help lower my home/car insurance. He searched through several different policies to find the one that best fit my specific needs at a price lower than what I've ever paid before. What's even better is how easy he made the process. I just told him what I needed and he took care of the rest! I will be calling back for all my future residential and commercial insurance needs.
Ruth EdetRuth Edet
17:46 17 Nov 23
I had a great experience working with Hector. He was knowledgeable and courteous, and what great with communicating with me by email about several insurance quotes before I decided on one. A great, local company to support.
Abel DuranAbel Duran
20:23 20 Sep 23
Very helpful person, 100%
Antonio NegronAntonio Negron
20:03 15 Sep 23
Hector is a class act, worked diligently to find me a homeowners policy that was suitable for my needs. Excellent communication and a credit to this company
Robin LoveRobin Love
00:30 17 Jun 23
Garden State Central insurance Services made switching my auto insurance policy from my old car to a new one as easy as one very pleasant call to their office. I had just finalized my deal with the car dealership - and needed to provide them temporary proof of insurance in order to drive my new wheels home. GSCIS answered my unscheduled call immediately - and processed my request for the transfer of my existing policy right then and there. 5 minutes later they faxed the temporary proof of insurance to the dealership and I was good to go. After, I received prompt follow up emails from GSCIS and the insurer. Everything was done for me - all I had to do was download and print the final insurance card. I even saved a few dollars on my annual insurance bill, which GSCIS advised me was due to the superior safety features of the new vehicle. I am super pleased with their courteous and knowledgable service. Highly recommend them!
Paige DeLuquePaige DeLuque
02:16 29 Apr 23
They helped me through my unique situation and were very helpful. Would recommend!!
Sabrina GuevaraSabrina Guevara
22:17 02 Feb 23
Amazing service helped me right away and guided me the whole way through!
Hec ManHec Man
19:37 27 Jan 23
I was shopping around for a lower Auto insurance policy, and Edmar produced a quote for me with higher coverage limits while saving me hundreds of dollars.
Lawrence MadamaLawrence Madama
19:58 27 Sep 21
When in need of auto insurance, Edmar provided friendly, prompt, efficient service. Overall, I found Garden State Central Insurance Services to be a first class, professional, organization. Highly recommended.

Home Insurance Resources