New Jersey Homeowners Insurance Buyer's Guides

Serving Policyholders for Over 100 Years

Since your home is probably the largest purchase you will ever make, quality protection for your investment is essential. We have prepared these Buyer's Guides for several reasons:

  • To help you understand the types of homeowners policies available.
  • To advise you of the various endorsements you can use to broaden the coverages provided by the basic homeowners and renters policies.
  • To make you aware of the availability of different discounts and deductibles.
  • To help you tailor your policy to fit your specific insurance needs.

The Buyer's Guides describe the coverages available from the NJM Insurance Group. It is not a legal document and does not provide coverage. The policy itself is the legal contract between you and the Company.

The availability of coverages explained in this guide are subject to Company review and approval

We offer Special Form (HO-3) and Comprehensive Form (HO-5) policies for owners of homes, and we also offer a Contents Broad Form policy (HO-4) for renters, and a Condominium Unit-Owners Form (HO-6) for condo owners. Each is a "package" policy, providing several types of coverage under one contract. Your property is covered under Section I, while Section II provides coverage for injuries or damage that you or resident family members may cause others.

We also offer Basic Form DP-1 policies for properties under construction and Special Form DP-3 policies for homes which are seasonal and/or tenant occupied.

Downloading and Printing a Buyer's Guide

You must have Adobe's Acrobat Reader to open and print the .pdf version of the New Jersey Home Insurance Buyer's Guides. If this program is not already on your computer, you may go to the Adobe Acrobat site (see the link below) and download the software for free. Adobe Acrobat Reader is a very commonly used tool and takes up a small amount of space on your computer's hard drive. Follow the simple installation instructions at the Adobe Acrobat site and return here after you have installed the program.

IMPORTANT NOTE: To print a downloaded .pdf file, use the Adobe Acrobat program's print icon or command, not the print function in your browser. Only Adobe Acrobat Reader will be able to open the downloaded .pdf file and print it.

Download a Buyer's Guide

Home Insurance Buyer's Guide for policies effective 5/1/17 and later

Home Insurance Buyer's Guide for policies effective 4/30/17 and earlier

Dwelling Insurance Buyer's Guide for policies effective 5/1/17 and later