Since your home is probably the largest purchase you will ever make, quality protection for your investment is essential. We have prepared this Buyer’s Guide for several reasons:

SECTION I — PROPERTY COVERAGES Coverage A Dwelling Coverage B Other Structures Coverage C Personal Property Coverage D Loss of Use ADDITIONAL COVERAGES PERILS INSURED AGAINST EXCLUSIONS DETERMINING THE AMOUNT OF YOUR COVERAGE SECTION I — PROPERTY COVERAGES Home Owners (HO-2 and HO-3) Renters and Condo Owners (HO-4 and HO-6) SECTION II — LIABILITY COVERAGES Coverage E Personal Liability Coverage F Medical Payments to Others WORKERS’ COMPENSATION COVERAGE DEDUCTIBLES ADDITIONAL COVERAGE BY ENDORSEMENT FACTORS AFFECTING THE COST OF YOUR POLICY DISCOUNTS AND CREDITS New Home Premises Alarm or Fire Protection Superior Construction Automobile Policyholder Credit PAYING YOUR PREMIUMS DIFFERENCES BETWEEN NJM AND NJRe ELIGIBILITY FOR NJM PERSONAL LINES COVERAGE FLOOD INSURANCE PERSONAL UMBRELLA LIABILITY INSURANCE FILING A CLAIM SENIOR CITIZEN THIRD-PARTY NOTIFICATION INSURANCE CLAIMS OMBUDSMAN

• To help you understand the types of Homeowners policies available.
  
  
• To advise you of the various endorsements you can use to broaden the coverages provided by the basic Homeowners policies.
  
  
• To make you aware of the availability of different discounts and deductibles.
  
  
• To help you tailor your Homeowners policy to fit your specific insurance needs.
  

This Buyer's Guide describes the coverages available from the NJM Insurance Group, including both New Jersey Manufacturers Insurance Company (NJM) and its wholly-owned subsidiary, New Jersey Re-Insurance Company (NJRe). The two companies have different rates and different underwriting rules.

This is not a legal document and does not provide coverage. The policy itself is the legal contract between you and the Company.

The availability of coverages explained in this guide are subject to Company review and approval.

We offer two types of policies for owners of homes, the Broad Form (HO-2) and Special Form (HO-3). We also offer a Contents Broad Form policy (HO-4) for renters, and a Condominium Unit-Owners Form (HO-6) for condo owners. Each is a “package” policy, providing several types of coverage under one contract. Your property is covered under Section I, while Section II provides coverage for injuries or damage that you or resident family members may cause others.

Both companies will consider the information you provide on your application forms. You will receive a response from either NJM or NJRe based on their underwriting rules.

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Downloading and Printing the Buyer's Guide

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Download the Home Insurance Buyers Guide