--- title: "New Jersey guides" description: "All 10 Riskado insurance guides for New Jersey, newest first." url: "https://riskado.com/new-jersey/" lang: "en" image: "https://riskado.com/og/default.jpg" --- New Jersey # New Jersey guides ## Insurance agencies in New Jersey Insurance agencies across New Jersey, with addresses, phone numbers and opening hours. - [Bridgewater](https://riskado.com/agencies/new-jersey/bridgewater/) - [Jersey City](https://riskado.com/agencies/new-jersey/jersey-city/) - [Newark](https://riskado.com/agencies/new-jersey/newark/) - [Edison](https://riskado.com/agencies/new-jersey/edison/) - [Toms River](https://riskado.com/agencies/new-jersey/toms-river/) - [Freehold](https://riskado.com/agencies/new-jersey/freehold/) - [Paramus](https://riskado.com/agencies/new-jersey/paramus/) - [Lakewood](https://riskado.com/agencies/new-jersey/lakewood/) - [Wall Township](https://riskado.com/agencies/new-jersey/wall-township/) - [Paterson](https://riskado.com/agencies/new-jersey/paterson/) RiskadoInsurance agency Aaron Osgood Bankers Life Agent Bridgewater, NJbranches.bankerslife.com Insurance agency ### [Aaron Osgood Bankers Life Agent](https://riskado.com/agencies/new-jersey/bridgewater/aaron-osgood-bankers-life-agent/) 440 US-22 Ste 160, Bridgewater, NJ 08807 [(732) 652-1166](tel:+17326521166) RiskadoInsurance agency ABL Insurance Services Jersey City, NJ Insurance agency ### [ABL Insurance Services](https://riskado.com/agencies/new-jersey/jersey-city/abl-insurance-services/) 910 Bergen Ave, Jersey City, NJ 07306 [(201) 890-5479](tel:+12018905479) RiskadoInsurance agency A H & T Insurance Newark, NJ Insurance agency ### [A H & T Insurance](https://riskado.com/agencies/new-jersey/newark/a-h-and-t-insurance/) 60 Park Pl #402, Newark, NJ 07102 [(973) 286-3570](tel:+19732863570) RiskadoInsurance agency AAA Edison Car Care Insurance Travel Center Edison, NJcluballiance.aaa.com Insurance agency ### [AAA Edison Car Care Insurance Travel Center](https://riskado.com/agencies/new-jersey/edison/aaa-edison-car-care-insurance-travel-center/) 2222 NJ-27, Edison, NJ 08817 [(732) 636-0600](tel:+17326360600) RiskadoHealth insurance agency A.G. Capital Insurance Services LLC Toms River, NJagcapitalinsurance.com Health insurance agency ### [A.G. Capital Insurance Services LLC](https://riskado.com/agencies/new-jersey/toms-river/a-g-capital-insurance-services-llc/) 1400 Hooper Ave 2nd floor, Toms River, NJ 08753 [(877) 813-8556](tel:+18778138556) RiskadoInsurance agency AAA Freehold Insurance Travel Center Freehold, NJcluballiance.aaa.com Insurance agency ### [AAA Freehold Insurance Travel Center](https://riskado.com/agencies/new-jersey/freehold/aaa-freehold-insurance-travel-center/) 3478 US-9, Freehold, NJ 07728 [(732) 591-5294](tel:+17325915294) [See every agency in New Jersey](https://riskado.com/agencies/new-jersey/) - [Auto](https://riskado.com/average-cost-of-car-insurance-in-new-jersey/): New Jersey drivers spent an average of $1,413.04 per vehicle on car insurance in 2022, per the NAIC. See what the averages mean and what moves your quote. - [New Jersey Car Insurance Requirements: Basic and Standard Policies, the Minimums and What to Ask Your Agent](https://riskado.com/new-jersey-car-insurance-requirements/): New Jersey Standard Policies issued or renewed since January 1, 2026 need $35,000/$70,000 bodily injury and $25,000 property damage. See Basic vs. Standard. - [New Jersey Flood Insurance: When You Need It, What It Costs, and the State Flood Rules](https://riskado.com/new-jersey-flood-insurance/): Standard New Jersey homeowners and renters policies exclude flood. See when lenders require flood insurance, NFIP limits, costs and the state disclosure rules. ## More New Jersey guides - [Life and Health](https://riskado.com/new-jersey-health-insurance-penalty/): New Jersey still penalizes going without health insurance through a Shared Responsibility Payment on your state tax return. See the amounts and exemptions. - [Home and Renters](https://riskado.com/new-jersey-homeowners-insurance/): New Jersey's 2023 average HO-3 premium was $1,560, below the $1,731 national figure. See what a standard policy covers, what it excludes and why rates rise. - [Auto](https://riskado.com/new-jersey-limitation-on-lawsuit/): New Jersey's limitation on lawsuit option bars pain and suffering claims unless an injury fits one of six categories. See the six and what each choice means. - [Auto](https://riskado.com/new-jersey-pip-coverage/): New Jersey PIP pays covered medical bills after a crash, whoever caused it. See the limits, the deductible and copay, and when health insurance can pay first. - [Home and Renters](https://riskado.com/new-jersey-renters-insurance/): New Jersey renters insurance averaged $177 in 2023. See what an HO-4 policy covers and excludes, why flood is separate and when a landlord can require it. - [Business](https://riskado.com/new-jersey-small-business-insurance/): New Jersey requires workers' compensation for covered employers and liability insurance on commercial vehicles. See who counts, the penalties and what to ask. - [Life and Health](https://riskado.com/new-jersey-temporary-disability-and-family-leave-insurance/): New Jersey TDI pays 85% of your average weekly wage, up to $1,119 a week in 2026, for up to 26 weeks. See how FLI differs, who pays in and how to apply.