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New Home

Discounts ranging from 1% to 31% are applied automatically to any home in New Jersey
that is less than 18 years old. For Pennsylvania policies, the discount is 2% to 25% for
homes less than 12 years old. The age of the dwelling is determined by the time since completion of the original construction. This discount applies to homeowners policies only.

Premises Alarm or Fire Protection

Credits from 2% to 18% are available for various types of burglar alarms, smoke alarms, fire alarms and automatic sprinkler systems.

Superior Construction

A 15% discount is given automatically to any home, condominium or apartment unit if the exterior walls, floors and roof are built with noncombustible materials.

Automobile Policyholder Credit

If you have both a Homeowners and an Automobile insurance policy with the NJM Insurance Group, you may be eligible for a discount on your Homeowners premium (excluding several optional coverages). We will automatically apply the discount to your policy if our records indicate that you qualify.

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F-2 (5/09)