This Buyer's Guide is intended to provide general information to help
you make coverage choices. It is not a substitute for the policy language,
which governs. Additional information regarding coverages or premiums is
available from the insurer or producer.

Contact the Department of Banking and Insurance
on the web:
www.njdobi.org

by phone:
(609) 292-7272
or the Consumer Hotline at 1-800-446-7467

by mail at:
NJDOBI
P.O. Box 471
Trenton, NJ 08625-0471

or in person at:
NJ DOBI
20 West State Street
Trenton, NJ 08608

Contact NJM Insurance Group
by phone:
1-800-232-6600