Bundle Your NJM Home and Auto Insurance Policies

To get a bundle quote, call us today at 1-800-232-6600.

You Could Save an Average of 20% on Auto Insurance by Switching to NJM*

Discover the benefits of bundling your home and auto insurance with NJM! Save on your insurance costs and tailor your coverage to your needs. Our bundle discount‡ makes it easier than ever to protect your home and vehicle while keeping costs down.

With NJM’s commitment to exceptional service, you can have peace of mind knowing you’re covered by an insurer you can trust.

What Can Homeowners Insurance Cover?

After a covered loss, a basic homeowners insurance policy may cover 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 damage? We’ve got your back if you need to repair or replace your personal belongings from a covered loss.

  • Friend injured while visiting your home? 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 your neighbor’s property? We’ll pay for covered damages that you’re responsible for, up to your coverage limits.

Customize Your Policy

We offer many endorsements to ensure your auto and homeowners insurance policies serve your lifestyle and needs.

  • Scheduled Personal Property
    Provides broader protection for specific articles of jewelry, fur garments, and/or silverware.

  • Personal Property Increased Special Limits of Liability
    Increases coverage on certain categories of personal property that are subject to special limits.

  • Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money Coverage
    Increases maximum homeowners coverage if loss is due to credit card fraud, forged check, or counterfeit money.

  • Identity Fraud Expense Coverage
    Covers expenses incurred as a result of identity fraud.†

Have Questions? We Have Answers!

Here are answers to some questions we commonly receive:

What Does Homeowners Insurance Cover?

A homeowners insurance policy covers your dwelling, external structures on your property, your personal property, and your personal liability. Learn More

What Is the Difference Between Home and Dwelling Insurance?

Homeowners insurance addresses the coverage needs of homeowners who live in the insured property, which is in good repair and valued above the minimum coverage limit available. Dwelling insurance addresses the coverage needs of landlords who don’t live on the insured property. Learn More

What Is Guaranteed Replacement Cost?

Guaranteed Replacement Cost covers the cost to repair or replace your home after a covered loss, even if the cost exceeds your policy limit. Learn More

Understanding Actual Cash Value and Replacement Cost

Actual Cash Value is the cost to repair or replace property at the time of loss with like kind and quality, less depreciation. Depreciation means the decrease in value as property deteriorates and becomes obsolete over time. Learn More

What Is the Difference Between HO-3 and HO-5?

Both HO-3 and HO-5 are types of homeowners insurance policies that cover damage to your dwelling and other structures from all but excluded causes of loss. The main difference is what kinds of damage each policy covers for personal property. Learn More

* Figure reflects average annual personal auto insurance premium savings on a countrywide basis for applicants who reported their prior premiums and switched to NJM between 6/1/23 and 5/31/24. Individual savings may vary.

‡ 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.