Have a question about insurance? Ask NJM! With over a century 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 declarations page?
What is a deductible?
What is an endorsement?
What is an exclusion?
What is an insurance premium?
What is a peril?
Understanding actual cash value and replacement cost
What factors affect insurance rates?
Can you switch insurance companies during a claim?
What is subrogation?


What does auto insurance cover?
What is full coverage?
What is collision insurance?
What is comprehensive insurance?
What are split limit and combined single limit policies?
What is uninsured and underinsured motorists coverage?
What is Personal Injury Protection (PIP)?
What is MedPay?
What is medical coverage on an auto insurance policy?
What is no-fault insurance?
Does car insurance cover theft?
Does car insurance cover windshield damage?
Does car insurance cover rental cars?
How much auto liability do you need?
Insuring a leased car
Driving without insurance
How will buying auto insurance help you?
How does car insurance work?
What to do after hitting a deer
Auto insurance hacks
How to renew auto insurance
How to switch your car insurance
What is proof of auto insurance?
Is gap insurance worth it?
How long can you stay on your parents’ car insurance?
How to get car insurance for the first time
Do you need insurance to drive someone else’s car?
How to report a stolen car
How long after an accident can you file a claim?
What to do when someone hits your parked car
What happens when an at-fault driver has no insurance?
Does auto insurance follow the car or driver?
Is your spouse automatically covered on your car insurance?

Home and Condo

Is homeowners insurance required?
Does homeowners cover a rental property?
What is condo insurance?
What is a dwelling?
What is guaranteed replacement cost?
What is the difference between HO-3 and HO-5?
What is the difference between home and dwelling insurance?
What is personal property coverage?
What does homeowners insurance cover?
How much condo insurance do you need?
Does homeowners insurance cover fire damage?
Does homeowners insurance cover hurricane damage?
What does homeowners insurance not cover?
How to insure a ring


What does renters insurance cover?
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?
How renters insurance applies to storage units
Does renters insurance cover motorcycles?
Does renters insurance cover a work laptop?
Does a college student need renters insurance?


What is an umbrella policy?
Who needs umbrella insurance?
What does umbrella insurance cover?

The information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.