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Apply for Coverage
House, Apartment or Condominium
NJM is one of the largest insurers of private residences in New Jersey. The Company currently is paying Regular Dividends on contracts issued at this time last year. In addition, New Jersey policyholders with both an Auto and Homeowners policy with NJM receive a discount of 15% on their Homeowners premium.
Current policyholders can contact NJM here.
To apply, certain membership eligibility criteria and underwriting guidelines must be met.
If a policy is placed into effect, NJM will offer a free replacement cost analysis program designed to help you determine an up-to-date estimate of the cost to rebuild a home.
The NJM Home Insurance Buyer's Guide  provides information on the coverage options available from NJM and NJRe.
A Homeowners policy is for any house, apartment or condominium where you live full time, even if you rent it from someone else. A Dwelling policy is for a residence that you own but occupy only on a seasonal basis, or you rent it to others.
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