Homeowners Insurance Endorsements
Insure the Valuables … Like Your Identity
Your standard NJM Homeowners Insurance policy insures your house or condo and personal property. But what if you want to more coverage for your jewelry, silverware, furs, or computer equipment? You may even want insurance for credit card and identity fraud. What you need are endorsements. An endorsement can either increase the dollar limit of coverage for certain items or extend coverage to items not included in your standard home insurance policy.
Customize Your Policy with Endorsements
Scheduled Personal Property Provides broader protection for specific articles of jewelry, fur and/or silverware.* Requires an up-to-date appraisal for each item, photos, and copy of original receipt. Learn more.
Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money Coverage Increases your maximum NJM homeowners policy coverage of $500 if your credit card is used fraudulently or you experience a loss due to forged check or counterfeit money.*
Coverage C Increased Special Limits of Liability Increases coverage on personal property that are subject to special limits. Includes money, securities, jewelry, watches, furs, firearms, silverware, electronic apparatus, and computer equipment.
Identity Fraud Expense Coverage Provides reimbursement up to $15,000 for expenses incurred by an insured as the result of identity fraud.
Other Members of Your Household Household Provides Personal Property, Personal Liability, and Medical Payments to Others coverage to a person who lives with the insured and is a member of the insured household who is not an owner, guest, residence employee, tenant, roomer or boarder.
Home Systems Protection (HSP) Provides coverage for major household appliances including air conditioning, heating, hot water, and other systems. Learn more.
Service Line (SL) Coverage Covers the cost to repair or replace underground water, sewer, and electrical service lines that fail. Learn more.