Homeowners or Renters Insurance

A Homeowners Insurance Policy is a package of coverages that are of interest to most consumers – not only financial protection from the damage or destruction of a house itself but also coverage in case the consumer is determined to be legally liable for property damage or bodily injury of another person. There are also special "homeowners" policies for condominium-unit owners and for renters who wish to insure their clothing, furniture and other personal belongings.

To be eligible to apply for a Homeowners Policy by New Jersey Manufacturers Insurance Company, you must live in New Jersey or Pennsylvania and meet our membership and underwriting requirements.

You are eligible under NJM's membership criteria if you or your spouse are:

• Currently employed by a member organization of the New Jersey Business & Industry Association; or
• Currently employed by the State of New Jersey; or
• The named insured or resident spouse on a current or previous NJM policy for Personal Auto or Homeowners; or
• A current or previous operator of a vehicle under an NJM Personal Auto insurance policy.

NJM's Homeowners underwriting guidelines exclude coverage for certain types of risks. For example, we do not insure mobile homes, house trailers, commercial properties, or dwellings that house more than two families.

We also consider each applicant's claims history and the condition of the property in determining whether to provide coverage.

If you are not eligible for coverage by NJM, and if your home is located in New Jersey, your application will be considered by NJM's subsidiary, New Jersey Re-Insurance Company, which currently does not provide policyholder dividends on Homeowners Insurance.