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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.
Save with Discounts
You deserve some bonuses for joining the NJM family. Check out some of our available discounts:
Auto + Home Bundle Discount
If you already have an NJM Auto policy, adding condo insurance is easy and helps you save.‡
Nonsmoker Discount
Whether you've never smoked or recently quit, we'll reward you with a discount.
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.
Here’s what our customers say:
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.
Experience a fire?
No problem. We've got your back if you need to repair or replace your personal belongings.
Friend injured while visiting your condo unit?
We'll pay the medical expenses up to your applicable policy limit.
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.
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.
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.
║ With respect to dividend advertisements, 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.