Please note: Current NJM policyholders automatically satisfy the membership requirement.
All applicants must meet NJM's membership eligibility criteria. You are eligible to apply for NJM coverage if you or your spouse are:
To help expedite the application process, it would be helpful to have the following information available:
NJM representatives will gladly assist you in determining what other information is required to obtain coverage.
To help you select an appropriate dwelling coverage amount, NJM offers an Insurance to Value Program. The Program is based upon data from the leading provider of building cost information and is designed to calculate the amount of coverage necessary to replace the structure after a total loss.
Though not an NJM requirement, your mortgage company may require that you insure the home for at least the total amount of all loans on the property. To determine your mortgage company's specific requirement, please contact them directly.
NJM recommends that the amount of insurance you select is adequate enough to cover the full value of your investment. To learn more about Insurance to Value, please visit our Home Replacement Cost Program section
Because each mortgage company has specific requirements, necessary information can vary; however, requirements generally are:
We do offer coverage for a second home located in New Jersey or Pennsylvania. In order to provide you with the appropriate policy and coverage amounts, we will need to obtain specific information regarding the property. Please contact our personal lines department at 1-800-232-6600, ext. 4516, and one of our customer service representatives will be happy to assist you. Our hours of operation are weekdays from 7 a.m. to 9 p.m. and Saturday from 8:30 a.m. to 4:30 p.m.
Please contact one of our customer service representatives at 1-800-232-6600, ext. 4512, and someone will be happy to assist you. At your request, we can provide a copy of your policy declarations page either by mail or fax. Our hours of operation are weekdays from 7 a.m. to 9 p.m. and Saturday from 8:30 a.m. to 4:30 p.m.
Yes, 10% of your Personal Property Limit, as well as liability, applies to property while it is with a child at school. Additional limitations may apply. Please contact us at 1-800-232-6600, ext. 4512, for specific details.