NJM Insurance Group - Home Insurance Buyers Guide

Each of the policies we offer also contains an Exclusions section which explains the items and/or situations where coverage does not apply. All of our policies exclude:

Earth Movement
Water Damage *
Power Failure
Neglect
War
Nuclear Hazard
Intentional Loss

* You can purchase a separate policy insuring against flood damage.

Also excluded are items for which specific coverage can be purchased.

We suggest that you read your particular policy for the specifics of each exclusion.

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	EXCLUSIONS Each of the policies we offer also contains an Exclusions section which explains the items and/or situations where coverage does not apply. All of our policies exclude: Earth Movement Water Damage * Power Failure Neglect War Nuclear Hazard Intentional Loss * You can purchase a separate policy insuring against flood damage. Also excluded are items for which specific coverage can be purchased. We suggest that you read your particular policy for the specifics of each exclusion.
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