On this page
Property and casualty rate, rule and form filings in New Jersey are reviewed by the New Jersey Department of Banking and Insurance. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | New Jersey Department of Banking and Insurance |
|---|---|
| Filing system | SERFF (department source) |
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Commercial multi-peril, Inland marine, Farmowners, Homeowners and auto combination |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in New Jersey, each linked to the official text.
- N.J.A.C. 11:1-45 - Notice to policyholders of consumer insurance rate increasesRegulation
- N.J.S.A. 17:29A-46.6 and N.J.A.C. 11:3-16B - Expedited private passenger automobile rate filingsRegulation
- N.J.S.A. 17:36-5.35 and N.J.A.C. 11:2-42 - Expedited homeowners rate filingsHomeowners · Statute
- N.J.A.C. 11:3-16B - Expedited process for private passenger automobile rate changesPersonal auto · Regulation
- New Jersey Department of Banking and Insurance - Office of Property and Casualty, filing requirements by lineCommercial multi-peril · Department guidance
How to search New Jersey's public rate and form filings
- New Jersey's Department of Banking and Insurance says rates, rules and forms designated as public records can be viewed through the NAIC's SERFF Filing Access interface. Source
- The department says there is no fee to use the SERFF Filing Access interface. Source
- As an alternative to the online interface, a formal data request can be submitted to the department under the Open Public Records Act (OPRA). Source
Start from the department's page: New Jersey Department of Banking and Insurance.
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Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- N.J.A.C. 11:1-45 - Notice to policyholders of consumer insurance rate increasesRegulation
- N.J.A.C. 11:3-17 - Rate intervenorsRegulation
- N.J.S.A. 17:29A-46.6 and N.J.A.C. 11:3-16B - Expedited private passenger automobile rate filingsRegulation
- New Jersey Bulletin No. 04-05 - Insurance scoring informationBulletin
Last reviewed
Homeowners
New Jersey sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- N.J.S.A. 17:36-5.35 and N.J.A.C. 11:2-42 - Expedited homeowners rate filingsStatute
- N.J.A.C. 11:1-40 - Homeowners insurance underwriting guidelinesRegulation
- N.J.A.C. 11:1-45 - Consumer insurance rate increase notice for homeownersRegulation
- N.J.A.C. 11:2-42 Appendix Exhibit D - Standard hurricane deductible languageRegulation
- N.J.A.C. 11:2-42.4 - Prescribed calculations for expedited homeowners ratesRegulation
Last reviewed
Personal auto
New Jersey sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- N.J.A.C. 11:3 - Automobile InsuranceRegulation
- N.J.A.C. 11:3-13, 11:3-10 and 11:3-36 - Deductibles, physical damage claims and inspectionRegulation
- N.J.A.C. 11:3-14, 11:3-21 and 11:3-37 - Personal injury protection optionsRegulation
- N.J.A.C. 11:3-15 and 11:3-9 - Buyer's Guide, Coverage Selection Form, Consumer Bill of Rights and rating informationRegulation
- N.J.A.C. 11:3-16A - Private passenger automobile insurance territorial rating plansRegulation
- N.J.A.C. 11:3-16B - Expedited process for private passenger automobile rate changesRegulation
Last reviewed
Property and dwelling fire
New Jersey sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- N.J.S.A. 17:29AA-1 et seq. - The Commercial Insurance Deregulation Act of 1982 governs commercial propertyStatute
- N.J.S.A. 17:29AA-3(k) and 17:29AA-12 - Special risks and the way back to filingStatute
- N.J.S.A. 17:29AA-6, 9, 10, 11 and 14 - Commercial property rate and form standardsStatute
- N.J.S.A. 17:36-5.19, 17:36-5.20 and 17:36-5.21 - The New Jersey standard fire insurance policyStatute
- N.J.S.A. 17:37A-1 et seq. - The New Jersey Insurance Underwriting AssociationStatute
- N.J.A.C. 11:1-2 and N.J.A.C. 11:13 - The filing rules that serve both property regimesRegulation
Last reviewed
Commercial multi-peril
New Jersey sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- New Jersey Department of Banking and Insurance - Office of Property and Casualty, filing requirements by lineDepartment guidance
- New Jersey Department of Banking and Insurance - Property and Casualty Filings (N.J.A.C. 11:1-2, 11:13-2.5 and 11:13-5.1)Department guidance
- New Jersey Insurance Bulletin 04-05 - Insurance Scoring InformationDepartment guidance
Last reviewed
Inland marine
New Jersey sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- N.J.A.C. 11:1-2 filing formatRegulation
- Bulletin 26-02 - Travel insuranceBulletin
- NJDOBI Office of Property and Casualty filing instructionsDepartment guidance
Last reviewed
Farmowners
New Jersey sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- N.J.A.C. 11:3-16A - Private passenger automobile insurance territorial rating plansDepartment guidance
- New Jersey Auto Insurance Buyer's Guide (2026 edition)Department guidance
- New Jersey Department of Banking and Insurance - Homeowners Underwriters GuidelinesDepartment guidance
Last reviewed
Homeowners and auto combination
New Jersey sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- N.J.A.C. 11:3-16A - Private passenger automobile insurance territorial rating plansDepartment guidance
- New Jersey Auto Insurance Buyer's Guide (2026 edition)Department guidance
- New Jersey Department of Banking and Insurance - Homeowners Underwriters GuidelinesDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the New Jersey Department of Banking and Insurance before you file. All states