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Save with Discounts

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

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.

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Have Questions? We Have Answers!

Insurance is sometimes complicated, but no worries. Here are answers to some questions we commonly receive:

What Is The Difference Between HO-3 and HO-5?

Both HO-3 and HO-5 are types of homeowners insurance policies that cover damage to your dwelling and other structures from all but excluded causes of loss. The main difference is what kinds of damage each policy covers for personal property. Learn More

What Is the Difference Between Home and Dwelling Insurance?

Homeowners insurance addresses the coverage needs of homeowners who live in the insured property, which is in good repair and valued above the minimum coverage limit available. Dwelling insurance addresses the coverage needs of landlords who don’t live on the insured property. Learn More

What Is Guaranteed Replacement Cost?

Guaranteed Replacement Cost covers the cost to repair or replace your home after a covered loss, even if the cost exceeds your policy limit. Learn More

Understanding Actual Cash Value and Replacement Cost

Actual Cash Value is the cost to repair or replace property at the time of loss with like kind and quality, less depreciation. Depreciation means the decrease in value as property deteriorates and becomes obsolete over time. Learn More

What Is Personal Property Coverage?

Personal property insurance covers items you own or use while they’re in your home or anywhere in the world. Learn More

What Does Homeowners Insurance Cover?

A homeowners insurance policy covers your dwelling, external structures on your property, your personal property, and your personal liability. Learn More

What Does Homeowners Insurance Not Cover?

Homeowners insurance policies contain exclusions that specifically state the types of risk not covered. Even the most comprehensive policy will exclude certain types of damage. Learn More

Does Homeowners Insurance Cover a Rental Property?

Dwelling insurance — not homeowners insurance — will help protect your rental property and cover physical damage to it. Learn More

Is Homeowners Insurance Required?

Homeowners insurance is not required by law. Without homeowners insurance, you bear the fiscal responsibility for repairs or structure replacement if your home incurs severe damage or a catastrophic loss covered by a policy, such as a total loss by fire or hurricane. Learn more

Does Homeowners Insurance Cover Fire Damage?

A homeowners insurance policy typically covers fire damage to your home, personal property, and other structures on your property. Learn More

Have Confidence in Your Coverage

Service

Be confident in your coverage with hassle-free claim reporting.

Dependability

AM Best Company rates NJM “A+” (Superior) for financial strength.

Reputation

We’ve been exceeding our customers’ expectations for over 100 years.

‡ This discount does not apply on Basic Personal Auto policies.

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.