Homeowners 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 the right house for you and your family. Protect it from all of life's surprises.

The Markets We Serve

NJM Homeowners 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.

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Save with Discounts

Home insurance costs are typically calculated using information on the home's age, size, construction type, location, and replacement cost. We'll work with you to create a policy that meets all of your coverage needs.

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 homeowners 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 Homeowners Insurance?

Walk through your home 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 some kind of damage, such as a fire or a theft, would you be able to afford to replace all those items? Your home is unique, and your policy should be, too. We use our extensive experience to craft a customized policy for every type of house.

What Can Homeowners Insurance Cover?

After a covered loss, a basic homeowners insurance policy covers your home (the dwelling where you reside), other structures on the property, personal property, loss of use of your home due to damage, personal liability, and medical payments to others.

Fire Icon
Experience a fire?

We've got your back if you need to repair or replace your personal belongings.

Injured Person Icon
Friend injured while visiting your home?

We'll pay the medical expenses incurred 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 damages 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.

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

Identity Fraud Expense Coverage

Covers expenses incurred as a result of identity fraud.

Learn more about your customization options by calling us at 1-800-232-6600.

See All Endorsements
Online Convenience

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


You have questions, and we have answers. Check out our Frequently Asked Questions.

Peace of Mind Reporting
Peace of Mind

NJM offers hassle-free claims reporting.

Why NJM?

Through nearly 100 years of serving homeowners, we've insured just about every type of house. From the Cape Cods of the 1940s to today's contemporary homes, the styles may have changed but our commitment to service hasn't. The last thing you want in the unfortunate event of fire, storm damage, or theft is a surprise from the people who should have answers. Our team will walk you through the claims process and make sure all of your questions are answered, including what happens next. And because we provide you with an up-to-date cost to rebuild your home, you won't be left guessing about the right amount of coverage.

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

† $500 deductible applies. Lost income reimbursement limited to $200 per day up to $5,000 max. HO-5 policies automatically include Identity Fraud Expense Coverage.

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.