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Save with Discounts

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

Auto + Renters Bundle Discount

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

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Safe Home Discount

A smoke alarm 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 does renters insurance cover?

Renters insurance can help you replace stolen or damaged personal property – whether it’s in your home or with you when you travel. It also provides liability coverage for damage you may cause. Learn More

Do you need renters insurance?

Renters insurance is a good idea if you rent a house, apartment, or condo for many reasons. Learn More

Does renters insurance cover theft?

Renters insurance covers theft of your personal property anywhere in the world. Like all insurance coverages, though, there are some limits and exceptions. Learn More

Does renters insurance cover water damage?

A renters insurance policy won't cover water that originates from outside the apartment. It might, however, cover water originating from inside the building, as long as the damage was sudden and accidental. Learn More

How does renters insurance apply to storage units?

A renters insurance policy will protect your personal property regardless of whether it's in your home or in a storage unit. Please note that property kept in a storage unit is only covered up to 10% of your chosen limit for personal property. Learn More

Does a college student need renters insurance?

College students who live in a dorm do not need renters insurance. However, if a student lives off campus, renters insurance may be a good idea. Learn More

Does renters insurance cover moving?

Renters insurance covers your property as long as it's in your care, custody, and control. Once you hand it over to a moving company, you might not be covered. Learn More

Does renters insurance cover bed bugs?

Renters insurance policies usually do not cover the extermination and cleanup of bed bugs — or other insects or vermin that might take up residence in your home. 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.