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.
You deserve some bonuses for joining the NJM family, too. Check out some of our available discounts.
If you already have an NJM Auto policy, adding homeowners insurance is easy and helps you save.‡
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.
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.
After a covered loss, a basic homeowners insurance policy covers your actual home (dwelling), other structures on the property, personal property, loss of use of your home due to damage, personal liability, and medical payments to others. NJM will work with you to customize your policy.
We've got your back if you need to repair or replace your personal belongings.
We'll pay the medical bills up to your policy limit.
If damage from a covered loss requires you to vacate your home until it's repaired, we'll help you arrange temporary housing.
We've compiled a guide to help you research and apply for homeowners insurance in the Constitution State.
Download Buyer's Guides
For Homeowners policies effective 1/1/20 and later
For Dwelling policies effective 1/1/20 and later
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.
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 and descriptions of coverage on this site are general in nature. 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.