New Jersey Homeowners Insurance Membership Eligibility

NJM offers several lines of personal insurance, including homeowners, to residents of New Jersey and Pennsylvania.

You are eligible to apply for NJM coverage if you or your spouse are:

  • Currently employed by a member organization of the New Jersey Business & Industry Association (NJBIA); or
  • Currently employed by the State of New Jersey; or
  • Currently employed by a New Jersey county, municipality, or township; or
  • Currently employed by a New Jersey public school; or
  • Currently employed by the federal government; or
  • The named insured or resident spouse on a current or previous NJM policy for car insurance or homeowners insurance; or
  • A current or previous resident insured operator of a vehicle covered under an NJM car insurance policy; or
  • A current or previous insured operator on an NJM commercial auto policy.