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Homeowners Insurance Frequently Asked Questions

Homeowners Insurance FAQs

New Applicant Questions

What information is needed to apply for NJM homeowners insurance?

To help expedite the application process, it would be helpful to have the following information available:

  • Current Policy Declarations Page
  • Desired coverage amount
  • Mortgage commitment papers

NJM representatives will gladly assist you in determining what other information is required to obtain coverage.

Is my child's personal property, such as computer equipment, covered while he or she is away at school?

Yes, your homeowners policy includes coverage for both liability and personal property while your child is away at school. For specific details, please contact us at 1-800-232-6600, ext. 4512.

Homeowners Insurance Buyer's Guide

For Homeowners policies effective 10/15/19 and later.

For Dwelling policies effective 10/15/19 and later.

For Homeowners or Dwelling policies effective 10/14/19 and earlier, view important documents like these when you log in to your policy.

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.