Extra Coverage for Prized Possessions

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 more coverage for your jewelry, silverware, furs, or computer equipment? You may even want insurance for credit card and identity fraud. You need endorsements. An endorsement can either increase the dollar limit of coverage for certain items or extend coverage to items or people not included in your standard home insurance policy.

Customize Your Policy with Endorsements

To add an endorsement, give us a call at 1-800-232-6600.

Scheduled Personal Property

Provides broader protection for specific articles of jewelry, fur and/or silverware (no deductible applies). Requires an up-to-date appraisal for each item, photos, and a copy of the 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 (no deductible applies). Select an amount from available limits up to $50,000.

Personal Property Increased Special Limits of Liability

Increases coverage on certain categories of personal property that are subject to special limits. Includes money, securities, jewelry, watches, furs, firearms, silverware, electronic apparatus, and computer equipment.

Special limits of coverage apply to some categories of personal property; refer to your policy for a complete list.

Standard Limits for Certain Types of Personal Property
H0-3 H0-5
Money $200 $500
Securities $1,500 $2,000
Jewelry, watches, furs, and precious/semi-precious stones $1,500 theft only $2,500 theft, misplacement, and loss
Firearms $2,500 theft only $3,000 theft, misplacement, and loss
Silverware $2,500 theft only $5,000 theft, misplacement, and loss
Computer Equipment $4,000 $5,000

Identity Fraud Expense Coverage

Provides reimbursement up to $15,000 for expenses incurred as a result of identity fraud.

Other Members of Your Household

Extends your liability coverage to other members of your household. Your policy provides coverage for the personal belongings owned by other family members who live with you. Additional coverage can be purchased to protect the property owned by other household residents who are not related to you and are not on the deed or lease.

Limited Fungi, Wet or Dry Rot, or Bacteria

Provides increased coverage for the testing and removal of fungi, the tearing out of any part of the property to access the fungi, and the repair of the property that was damaged in the process.

Supplemental Loss Assessment Coverage

If your condo or homeowners association is liable for someone else’s Bodily Injury or Property Damage, or if you must pay your share of covered damage to the association’s jointly owned property, the policy will cover up to $1,000 (Homeowners HO-3 and HO-5) or $5,000 (Condo HO-6) of your share of this cost. This endorsement permits you to buy coverage higher than $1,000 (HO-3 and HO-5) or $5,000 (HO-6) or coverage for more than one location.

Water Back-up and Sump Discharge or Overflow

Covers damage caused by water back-up and sump discharge or overflow, even if due to a mechanical breakdown of a sump pump. Coverage doesn’t apply to the repair or replacement of a pump or related equipment damaged by a mechanical breakdown.

Earthquake (MD, NJ, OH, and PA Only)

While earthquakes are rare for this part of the United States, the possibility always exists. Damage caused by earthquakes is not covered under a homeowners policy. Coverage can be purchased to provide protection for damage to your home or personal belongings caused by an earthquake.

Assisted Living Care Coverage

Provides personal property and personal liability coverage to a named relative residing in an assisted living facility.

Increased Amount of Insurance for Personal Property Located in a Self Storage Facility

An NJM Homeowners policy automatically provides coverage for your personal property in a self-storage facility (up to 10% of your personal property limit or $1,000, whichever is greater). This endorsement increases that limit.

Other Structures on the Residence Premises

Increases the coverage for other structures on your property that aren’t attached to your home, such as a detached garage, shed, or pool.

To add an endorsement, give us a call at 1-800-232-6600.

† $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.