Home Systems Protection
How Much Does Peace of Mind Cost?

Home Systems Protection for Only $39

Protect Your Home's Equipment

For only $39 a year, NJM Home Systems Protection (HSP)* covers your major household appliances and systems that are not insured under standard homeowners policies.

Families depend on home equipment for comfort and convenience. It represents a significant part of a home's value. HSP helps protect that investment so a homeowner isn't surprised by a large repair bill for equipment used to provide air conditioning, heating, hot water and other basic services in the home.


Enhance Your Homeowners Policy for Added Protection

Learn more about NJM Home System Protection and Service Line coverage.



Coverage can include:

  • Systems: Electrical generation and distribution, heating and cooling, air and water filtration, central vacuum, home security systems, swimming pool and sauna equipment and more.
  • Appliances: Refrigerators and freezers, cooktops, ovens, dishwashers, clothes washers and dryers and more.
  • Electronics: Computers, medical devices, televisions, sound systems, tablets, phones, game consoles and more.

Avoid the Root of the Problem by Adding Service Line Coverage for an Additional $39

Most homeowners don't know that they're responsible for the repair or replacement of their exterior underground service lines, including power and communications lines, and water and sewer piping. NJM Service Line** coverage can provide the protection you need in the event of a service line failure.

NJM Service Line coverage can only be purchased if you have an NJM Homeowners policy. The coverage pays up to $10,000 per incident to repair underground outdoor water, sewer, and electrical service lines that fail because of damage that would be excluded under most homeowners policies.

Examples of covered service lines:

  • Communications lines (telephone, cable, etc.)
  • Compressed air
  • Drainage
  • Electrical power
  • Geothermal
  • Natural gas
  • Propane
  • Steam
  • Waste disposal
  • Water service

*Limit: $100,000 per claim
Homeowners and Condo: $500 Deductible; $39/yr. Premium
Renters: $250 Deductible; $15/yr. Premium

**Limit: $10,000 per claim
Homeowners: $500 Deductible; $39/yr. Premium