This Isn't Just Your Home
The Free State hosts historic landmarks and trails, scenic views along the Chesapeake Bay, and beautiful urban, suburban, and rural homes throughout the state. Wherever you live in Maryland, NJM has you covered with a homeowners insurance policy that meets your needs.
Save with Discounts
Home insurance costs are typically calculated using information on the home's age, size, construction type, location, and replacement cost. We'll work with you to create a policy that meets all of your coverage needs.
You deserve some bonuses for joining the NJM family. Check out some of our available discounts.
If you already have an NJM Auto policy, adding homeowners insurance is easy and helps you save.‡
A security system does more than just offer another layer of protection for your home. We'll give you a discount for taking additional steps to protect your family.
Who Needs Homeowners Insurance?
Walk through your home and start adding up the cost of everything inside of it. Your dining room set, your television, your wardrobe… If your home were to experience some kind of damage, such as a fire or a theft, would you be able to afford to replace all those items? Although it is not required by law in the state of Maryland, if you have a home, you would benefit from homeowners insurance. Your home is unique, and your policy should be, too. We use our extensive experience to craft a customized policy.
What Can Homeowners Insurance Cover?
After a covered loss, a basic homeowners insurance policy covers your home (the dwelling where you reside), other structures on the property, personal property, loss of use of your home due to damage, personal liability, and medical payments to others.
We've got your back if you need to repair or replace your personal belongings.
We'll pay the medical expenses incurred up to your applicable policy limit.
If damage from a covered loss requires you to vacate your home until it's repaired, we'll pay for the additional living expenses you incur for temporary housing.
We'll pay for covered damages that you're responsible for, up to your coverage limits.
Customize Your Policy
You may need additional coverage to fit your needs. Endorsements allow you to add coverage for valuable items like jewelry and family heirlooms, as well as coverage for credit card fraud or identity theft. Personalize your coverage for your unique needs.
Learn more about your customization options by calling us at 1-800-232-6600.See All Endorsements
You have questions, and we have answers. Check out our Frequently Asked Questions.
Throughout nearly 100 years of serving homeowners and renters, we've insured just about every type of home. From historic lakeside vacation homes to modern urban houses, the styles may have changed but our commitment to service hasn't. The last thing you want in the unfortunate event of a fire, storm damage, or theft is a surprise from the people who should have answers. Our team will walk you through the claims process and make sure all of your questions are handled. And because we provide you with an up-to-date cost to rebuild, renovate, or repair your home, you won't be left guessing about the right amount of coverage.
‡ The discount does not apply on New Jersey Re-Insurance Company auto policies.
† $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.