Condo Insurance

Protecting where life happens. So you can focus on the moments that matter most.

This Isn’t Just Your Home

It’s where you read bedtime stories. Where you relax after a long day. Where you gather for Sunday dinner. Where you make memories. You worked hard to purchase just the right condo for you and your family. Protect it from life’s surprises.

The Markets We Serve

NJM Condo Insurance is available to residents of Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. We understand that your insurance needs are diverse, and we’ll help you select the coverage that’s right for you.

You’re going to love NJM.

Here’s what our customers say:

Save with Discounts

You deserve some bonuses for joining the NJM family. Check out some of our available discounts:

Home and Auto Bundle Icon
Auto + Home Bundle Discount

If you already have an NJM Auto policy, adding condo insurance is easy and helps you save.

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Safe Home Discount

A security system does more than just offer another layer of protection for your home. We'll give you a discount for taking additional steps to protect your family.

Who Needs Condo Insurance?

Walk through your condo and start adding up the cost of everything inside of it. Your dining room set, your television, your wardrobe… If your condo were to experience damage such as a fire or theft, could you afford to replace all these items?

Condo association policies vary, but generally insure the premises, common areas, and the physical building itself. That means you need coverage for your appliances and clothing, custom renovations, and injuries suffered by others inside your unit. Depending on your association agreement, you may also need coverage for the walls or floors inside your unit. An NJM Condo Owners policy insures the unit that is your residence, and includes fixtures and belongings, in addition to providing personal liability coverage.

What Can Condo Insurance Cover?

A condo insurance policy covers appliances, interior walls, and floors (if your responsibility), along with your personal property, personal liability, and medical payments to others for injuries suffered in your unit. NJM will work with you to create a custom policy.

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Experience a fire?

No problem. We've got your back if you need to repair or replace your personal belongings.

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Friend injured while visiting your condo unit?

We'll pay the medical expenses up to your applicable policy limit.

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Need a place to stay?

If damage from a covered loss requires you to vacate your home until it's repaired, we'll pay for the additional living expenses you incur for temporary housing.

Damaged Property
Accidentally damage a neighbor's property?

We'll pay for covered damage that you're responsible for, up to your coverage limits.

Customize Your Policy

You may need additional coverage to fit your needs. Endorsements allow you to add coverage for valuable items like jewelry and family heirlooms, as well as coverage for credit card fraud or identity theft. Personalize your coverage for your unique needs.

Personal Property Increased Special Limits of Liability

Increases coverage on certain categories of personal property that are subject to special limits, such as money, securities, jewelry, watches, furs, firearms, silverware, electronics, and computer equipment.

Identity Fraud Expense Coverage

Provides reimbursement for expenses incurred as a result of identity fraud.

Scheduled Personal Property

Provides broader protection for specific articles of jewelry, fur, and/or silverware.

Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money Coverage

Increases your maximum NJM Condo policy coverage if you experience a loss due to fraudulent use of your credit card, a forged check, or counterfeit money.

Online Convenience

Experience the convenience of accessing your policy online. Learn more.

Peace of Mind Reporting
Peace of Mind

NJM offers hassle-free claims reporting.

Why NJM?

There’s more to insurance than coverages and deductibles. This is a service industry. For more than 100 years, NJM has provided the highest levels of customer and claim satisfaction. We’re available to answer your questions, so don’t hesitate to contact us. Join the family and savor the peace of mind that comes with an NJM Condo policy.

‡ This discount does not apply on Basic Personal Auto policies.

The information contained on this page should not be construed as legal, financial or insurance advice. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy; the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.