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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
What is an exclusion?

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?
Does car insurance cover windshield damage?
Does car insurance cover rental cars?

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?
How renters insurance applies to storage units

Umbrella

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

Business

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