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New Jersey Condo Insurance

Get your free quote for condo insurance and see how much you could save.

This Isn't Just Your Home

Since you own a condo, you don't have to take care of the lawn, but there are still other things to consider. With a competitively-priced condo insurance policy from NJM, you can have peace of mind. We can't prevent your neighbors from playing their music too loud, but we can make sure you're covered if their tub ends up on your bathroom floor.

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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Nonsmoker Discount

Whether you've never smoked or recently quit, we'll reward you with a discount.

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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.

Dividends

New Jersey policyholders are eligible to receive dividends. Returning dividends to our policyholders is one example of our commitment to providing reliable, cost-effective, and safety-focused insurance.

You're going to love NJM.

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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 home were to experience damage such as a fire or theft, could you afford to replace all these items?

Condo association policies insure the property, common areas, and the physical building itself. That means you need coverage for your personal property, custom renovations, and injuries suffered in 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 personal liability. You've worked hard for your condo. We're here to help you enjoy it with a lot less worry.

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

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.

‡ The discount does not apply on New Jersey Re-Insurance Company auto policies.

║ NJM shares positive financial results with its policyholders in the form of dividends. For this reason, the payment of a dividend is not guaranteed. Dividends are not paid on all policy forms or in every state in which NJM operates.

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.