New Jersey Homeowners Insurance

Protecting where life happens. So you can focus on the moments that matter most.

This Isn't Just Your Home

The Garden State hosts the Jersey Shore's world-class beaches, South Jersey farms' nationally renowned produce, and beautiful urban, suburban, and rural homes throughout the state. Just like pork roll (or Taylor Ham) pairs best with egg and cheese on a bagel, a New Jersey home goes hand in hand with an NJM Homeowners Insurance policy. We work to be the best we can be, so you can focus on the things that matter most.

Save with Discounts

You deserve some bonuses for joining the NJM family. Check out some of our available discounts.

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Auto + Home Bundle Discount

If you already have an NJM Auto policy, adding homeowners insurance is easy and helps you save.

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Safe Home Discount

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.

Dividends

New Jersey policyholders are eligible to receive dividends. Returning dividends to our policyholders is one example of our commitment to providing reliable, cost-effective, and safety-focused insurance.

You're going to love NJM.

Here's what our customers say:


How Much Is Homeowners Insurance in New Jersey?

Based on national averages, homeowners in the Garden State pay similar rates to those across the country. Home insurance costs are typically calculated using information on the home's age, size, construction type, replacement cost, and location. For example, being along the coast brings convenience for family vacations to the beach, but it also brings the threat of damage during hurricane season. With a third of all homes in the state lining the Jersey Shore, we know it's important to give you peace of mind. We'll work with you to create a policy that meets your coverage needs.

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 burglary, would you be able to afford to replace all those items? Although it is not required by law in the state of New Jersey, we think 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 and knowledge of New Jersey to craft a customized policy for your house and lifestyle.

What Can Homeowners Insurance Cover?

After a covered loss, a basic homeowners insurance policy covers your actual home (dwelling), other structures on the property, personal property, loss of use of your home due to damage, personal liability, and medical payments to others. NJM will work with you to customize your policy.

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Experience a fire?

We've got your back if you need to repair or replace your personal belongings.

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Friend injured while visiting your home?

We'll pay the medical bills up to your policy limit.

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Need a place to stay?

If damage from a covered loss requires you to vacate your home until it's repaired, we'll help you arrange temporary housing.

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Homeowners Insurance Buyer's Guide

We've compiled a guide to help you research and apply for homeowners insurance in the Garden State.

Download Buyer's Guides
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.

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.

Scheduled Personal Property

Provides broader protection for specific articles of jewelry, fur, and/or silverware.

Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money Coverage

Increases your maximum NJM Homeowners policy coverage if you experience a loss due to fraudulent use of your credit card, a forged check, or counterfeit money.

Identity Fraud Expense Coverage

Covers expenses incurred as a result of identity fraud.

Personal Property Increased Special Limits of Liability

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

Learn more about your customization options by calling us at 1-800-232-6600.

See All Endorsements
Online Convenience
Convenience

Experience the convenience of accessing your policy online. Learn more.

FAQs
Confidence

You have questions, and we have answers. Check out our Frequently Asked Questions.

Peace of Mind Reporting
Peace of Mind

NJM offers hassle-free claims reporting.

Why NJM?

Through nearly 100 years of serving homeowners, we've insured just about every type of house. From the Cape Cods of the 1940s to today's contemporary homes, the styles may have changed but our commitment to service hasn't. The last thing you want in the unfortunate event of fire, storm damage, or burglary 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 answered, including what happens next. And because we provide you with an up-to-date cost to rebuild 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.

║ NJM shares positive financial results with its policyholders in the form of dividends. For this reason, the payment of a dividend is not guaranteed. Dividends are not paid on all policy forms or in every state in which NJM operates.

† $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 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.