Renters Insurance

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

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This Isn't Just Your Home.

It's where you read bedtime stories. Where you relax after a long day. Where you gather for Sunday dinner. Where you make memories. You work hard to fill your apartment with memories for you and your family. Protect it from all life's surprises.

The Markets We Serve

NJM Renters Insurance is available to residents of ConnecticutNew Jersey, and Pennsylvania. We understand that your insurance needs are as diverse as Mid-Atlantic communities. We'll help you select the coverage that's right for you.

You're going to love NJM.

Here's what our customers say:


Save with Discounts

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

Home and Auto Bundle Icon
Auto + Renters Bundle Discount

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

Heart and Home Icon
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.

Who Needs Renters Insurance?

Walk through your apartment and start adding up the cost of everything inside of it. Your living room furniture, your television, your wardrobe… If your apartment were to experience damage such as a fire or burglary, could you afford to replace all these items?

Your landlord's insurance policy won't cover your stuff. That means you need coverage for your belongings and injuries suffered in your unit. An NJM Renters Insurance policy insures your personal property and personal liability.

Average payout of a renters insurance claim: $1,535§

Burst Pipe
Sudden discharge from a burst pipe
$1,255§
Broken Lock
Burglary or theft
$943§
Diamond Ring
Lost property*
$1,564§

What Can Renters Insurance Cover?

A renters insurance policy can cover your personal property, personal liability, and medical payments to others. NJM will work with you to create a custom policy.

Fire Icon
Experience a fire?

No problem. We've got your back if you need to repair or replace your personal belongings.

Injured Person Icon
Friend injured while visiting your apartment?

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

Person In Bed Icon
Need a place to stay?

If damage from a covered loss requires you to vacate your apartment, we'll cover living expenses beyond your normal costs until you can return or find a new place.

Damaged Property
Accidentally damage a neighbor's property?

We'll cover the damage 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.

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 Renters 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.

Peace of Mind Reporting
Peace of Mind

NJM offers hassle-free claims reporting.

Why NJM?

There's more to insurance than coverages and deductibles. This is a service industry. For more than 100 years, NJM has been synonymous with its customer service. It's personal and real. We're available to answer your questions so don't hesitate to contact us. You may know NJM for providing homeowners insurance for decades. Now it's your turn to join the family and savor the peace of mind that comes with an NJM Renters policy.

‡ The discount does not apply on New Jersey Re-Insurance Company auto policies. Discount applied at renewal only.

§ Claim payout amounts based on the average payment issued for a New Jersey or Pennsylvania NJM Renters Insurance policy claim submitted in 2018.

* Coverage only applies to lost or misplaced items if they are named under the Scheduled Personal Property endorsement.

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.