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NJM to Offer Home Systems and Service Line Protection

Value-Based Insurance Solution Offers NJ and PA Homeowners and Renters Added Peace of Mind

October 1, 2018

NJM Insurance Group (NJM), one of the Mid-Atlantic Region's leading property and casualty insurers, is now offering Home Systems Protection coverages as an endorsement for all homeowner and renters policies. A Service Line endorsement is also available for all homeowner policies. The additional coverages provide affordable options for costs related to repairs or replacement of home equipment breakdowns and the repair of exterior, underground piping and wiring.

"NJM is focused on providing value-based insurance solutions with specialized protections to meet the needs of our policyholders," said Tracy McManimon, NJM Senior Vice President and Chief Underwriting Officer. "We understand that part of home ownership involves repairs that can be costly and unexpected, and we're excited to offer these expanded options to help our policyholders protect their investments."

NJM Home System Protection (HSP) is designed to help pay for repairs or replacement of equipment such as air conditioning, heating and hot water units as well as other basic services in the home. HSP covers the motors, pumps and compressors needed for electric, heat and air conditioning units. Personal property, including laptops, appliances and smart technology, are also covered. Available to homeowners and condo policyholders, HSP has a $100,000 coverage limit and a $500 deductible. The same coverage limit applies to renters polices, which are subject to a $250 deductible. The annual cost for HSP is $39 for homeowners and $15 for HSP renters.

NJM Service Line Coverage (SL) will help cover costs to repair damage to exterior, underground piping and wiring that supply water, power, heating and communications, including deep well pumps, sewer pipes and electric service lines. Available to homeowner policyholders, SL coverage has a $10,000 limit and a $500 deductible. The annual cost for SL coverage is $39.

About NJM Insurance Company

NJM Insurance Group is among the Mid-Atlantic's largest property and casualty insurers. Founded in 1913, NJM's mission is to provide value-based insurance solutions with the highest levels of service, integrity, and financial stewardship. The Company operates in a mutual fashion for the exclusive benefit of its policyholders. Headquartered in West Trenton, NJ, NJM employs nearly 2,500 workers. In addition to personal auto, homeowners and renters insurance, NJM offers a range of specialty personal lines insurance coverages including umbrella, motorcycle, ATV, collector car and boat insurance. For more, visit