Homes in the Garden State make up myriad unique architectural styles, from Greek Revival to Georgian, Queen Anne to Italianate, and art deco to the most modern and cutting-edge. But the architecture isn't the only unique trait of your state — check out these stats and facts that could be of interest to New Jersey homeowners.
New Jersey's varying climates
Even though New Jersey is one of the smallest states in the U.S., it packs a punch when it comes to climate, with 5 distinct regions: Northern, Central, Pine Barrens, Southwest, and Coastal. That means weather conditions can vary widely across the state, with average annual snowfall in the Northern zone between 40 and 50 inches compared to just 10 to 15 inches in the extreme south. Rainfall, average seasonal temperatures, thunderstorm frequency, and number of freeze days can vary quite a bit depending on region too.
If a windstorm, frozen pipes, or the weight of ice, snow, or sleet cause damage to your place, homeowners insurance can step in to help pay for property damage repairs and replace your personal belongings (up to the coverage limits you choose). And for warmer, drier areas of the state, most home policies will help cover additional living expenses if your air conditioner breaks and high temps make your home temporarily unlivable.
Keeping the Garden State smoke-free
New Jersey ranked number 5 in the country for states with the fewest smokers in 2013, with 16.9 percent of the population. For comparison, Utah ranked number one with just over 12 percent. Not only does staying smoke-free help keep you (and your state's air) healthy, but it could also save you some cash on homeowners insurance since you're reducing the likelihood of a house fire. With Esurance, you qualify for our Smoke-Free discount automatically as long as you and everyone in your household refrain from smoking.