This Isn't Just Your Home
The Constitution State hosts the historic village greens of Sharon and Colchester, the scenic waterways of New Fairfield and Coventry, and the memorable boardwalks and seaports along Long Island Sound. Wherever you live in Connecticut, NJM has you covered with a homeowners insurance policy that meets your needs.
Save with Discounts
You deserve some bonuses for joining the NJM family, too. 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.
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 burglary, would you be able to afford to replace all those items? Although it is not required by law in the state of Connecticut, if you have a home, you would benefit from homeowners insurance. Your home is unique, and your policy should be, too. We use our extensive experience to craft a customized policy.
Throughout nearly 100 years of serving homeowners and renters, we've insured just about every type of home. From historic seaside vacation homes to modern urban houses, the styles may have changed but our commitment to service hasn't. The last thing you want in the unfortunate event of a fire, storm damage, or burglary 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 handled. And because we provide you with an up-to-date cost to rebuild, renovate, or repair 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.