How much can you save?
The Markets We Serve
For more than 100 years, NJM has helped its customers focus on the moments that matter most. The Company is consistently recognized for its award-winning customer service, superior claims handling, and overall customer satisfaction.
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.
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.
Auto + Home Bundle Discount
If you already have an NJM Auto policy, adding homeowners insurance is easy and helps you save.‡
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.
You’re going to love NJM.
Here’s what our customers say:
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.
Experience a fire?
We've got your back if you need to repair or replace your personal belongings.
Friend injured while visiting your home?
We'll pay the medical expenses incurred 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 damages that you're responsible for, up to your coverage limits.
Have Questions? We Have Answers!
Insurance is sometimes complicated, but no worries. Here are answers to some questions we commonly receive:
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.
Learn more about your customization options by calling us at 1-800-232-6600.
See All Endorsements‡ This discount does not apply on Basic Personal 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.