Pennsylvania Homeowners Insurance

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

This Isn't Just Your Home

The Keystone State hosts the historic German stone houses of southeastern Pennsylvania, the groundbreaking suburbs of Levittown, and the famous row houses of Philadelphia. Since the days of George Washington and Benjamin Franklin, home styles have changed quite a bit in the Keystone State. Wherever you live in Pennsylvania, NJM has you covered with a homeowners insurance policy that meets your needs.

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.

You're going to love NJM.

Here's what our customers say:

How Much Is Homeowners Insurance in Pennsylvania?

Based on national averages, homeowners in the Keystone 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. With Pennsylvania's climate, the possibility of an extreme weather event (such as a snowstorm or tornado) can also affect your premium rate. NJM will work with you to create a policy that fits just right and will give you peace of mind.

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 Pennsylvania, 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 to craft a customized policy.

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 Keystone State.

Download Buyer's Guides
For Homeowners policies effective 1/1/18 and later
For Dwelling policies effective 1/1/18 and later
For Homeowners or Dwelling policies effective 12/31/17 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.

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.

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.

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

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Online Convenience

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


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?

Throughout nearly 100 years of serving homeowners and renters, we've insured just about every type of home. From the historic row homes in Old City to today's contemporary homes in Blue Bell, 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 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 handled, including what happens next. 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 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.