Benefits of Being a Customer

Homeowners Insurance Discounts

Bundle and Save

You can bundle your NJM Auto and Home Insurance policies for a discount on both.‡ The same people who work with you to insure your car will help you save on home insurance. Learn more.


Your Much Safer Home

If your home has a smoke alarm or sprinkler system, you'll receive a discount on your policy. NJM customers can apply now for the savings.


Age 65 and Over Discount

You've collected a lot of memorabilia. Even if you're looking to downsize, you'll still need to protect those memories. If you're over the age of 65, you'll receive a discount with NJM.


Backup or Portable Generator Discount

You could be eligible for a discount if you own an automatic backup generator or portable generator.


Nonsmoker Discount

Whether you've never smoked or recently quit, we'll reward you with a discount.


Storm Shutters and Hurricane Glass (NJ and CT Only)

If you have impact resistant glass installed in all windows, you could receive a discount.


Paid-in-Full Discount

If you pay your premium in full before the due date of its first installment, you'll receive a discount.*


Electronic Payment Discount

If you are enrolled in our automatic payment plan, you'll receive a discount.** Log in to enroll.


Paperless Discount (PA and CT Only)

If you sign up for paperless billing and delivery of documents, you'll receive a discount.


To learn more about home insurance discounts, contact us at 1-800-232-6600.

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

* In New Jersey and Connecticut, the Paid-in-Full discount is available for policies with a premium of $200 or greater, and homeowners and condo policies which are not paid by a mortgage company through escrow.

** The Electronic Payment discount is not available for payments by a mortgage company through escrow.

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.