Trenton has 90,338 residents in 32,052 households. We list 4 agencies for home insurance in Trenton. Here is what the local numbers say about the cover people here need.

Trenton at a glance

4home insurance agencies listed
62.1%of households rentRenters insurance
$160,700median home valueHome insurance
1953median year homes were builtRebuild cost calculator
26.7%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Mercer County

FEMA rates the overall natural hazard risk in Mercer County, where most Trenton agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Trenton
Winter weatherVery High
Ice stormVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
HurricaneRelatively High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Trenton

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Trenton agencies are

Trenton agencies we list sit in 3 ZIP codes, mostly in Mercer County.

086192 agencies
086381 agency
086901 agency

Questions

Home insurance in Trenton

All insurance agencies in Trenton · Home insurance across New Jersey

Where can I find home insurance in Trenton?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Trenton?

FEMA's National Risk Index rates inland flooding risk in Mercer County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Home insurance near Trenton

For insurance agencies

Is your Trenton agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing