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Have a question about insurance? Ask NJM! With over 105 years of experience under our belt, we know a thing or two about insurance. And we want to make you an informed insurance consumer, too. Whether you're looking for a definition or trying to decide what kind of coverage you need, NJM has you covered. Just Ask NJM!

Insurance Terms

What is a deductible?
What is a declarations page?
Understanding actual cash value and replacement cost

Auto

What is no-fault insurance?
What is collision insurance?
What is comprehensive insurance?
What is uninsured and underinsured motorists coverage?
Does car insurance cover theft?

Home and Condo

What is condo insurance?
How much condo insurance do you need?
Does homeowners insurance cover fire damage?
Does homeowners insurance cover hurricane damage?

Renters

Do you need renters insurance?
Does renters insurance cover moving?
Does renters insurance cover theft?
Does renters insurance cover water damage?
How does a renters insurance claim work?
Does renters insurance cover bed bugs?

Umbrella

What is an umbrella policy?
Who needs umbrella insurance?

Business

What is workers' compensation insurance?
How does workers' compensation insurance work?
What is commercial auto insurance?

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About NJM

NJM Insurance Group is a leading commercial, home, and auto insurer in the Mid-Atlantic region. We insure over 1 million drivers in New Jersey and Pennsylvania. Interested in joining the family? Get a quote today!

The content on this page is intended for informational purposes only. It is not an insurance policy, and does not, in any way, replace or modify the definitions and information contained in individual insurance policies. Terms and coverage availability may vary by state, and exclusions and deductibles may apply. Discounts also vary by state and may not be applied to all policy coverages. Coverage for an accident or loss is subject to the terms and conditions of the insurance policy applicable to a particular claim.