In addition to the protection provided by your standard homeowners policy, you may choose to expand your insurance coverage through the use of endorsements. An endorsement either can increase the dollar limit of coverage for certain items, or extend coverage to items not included in the standard home insurance policy.
Use this endorsement to provide broader protection for specific articles of jewelry, fur and/or silverware.
An up-to-date appraisal, subject to underwriting review, is required for each item before coverage can be provided. In addition to an appraisal, documentation regarding the item is required, such as a sales receipt or photos.
Your NJM homeowners policy will pay up to $500 if your credit card or fund transfer card is used by an unauthorized person, or if you experience a loss as a result of a check forgery or the acceptance of counterfeit money. If you feel that $500 is not enough protection, this endorsement is used to increase your coverage.
Policy deductible does not apply.
For an additional premium, certain categories of personal property that are subject to special limits can be increased. These include money, securities, jewelry, watches, furs, firearms, silverware, electronic apparatus and computer equipment.
This endorsement provides reimbursement up to $15,000 for expenses incurred by an insured as the result of identity fraud.
This endorsement provides Personal Property, Personal Liability and Medical Payments to Others coverage to a person who lives with the insured and is a member of the insured household who is not an owner, a guest, a residence employee, a tenant, a roomer or a boarder.
Other endorsements are available. See the Home Insurance Buyer's Guide for more information.