Renters Insurance

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No Jingles or Mascots. Just Great Insurance.

The Markets We Serve

For more than 100 years, NJM has helped its customers focus on the moments that matter most. The Company is consistently recognized for its award-winning customer service, superior claims handling, and overall customer satisfaction.

NJM Auto Insurance is available to residents of Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. We understand that insurance needs are diverse, and we’ll help you select the coverage that’s right for you.

Save with Discounts

You deserve some extras 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.

You’re going to love NJM.

Here’s what our customers say:

How Does a Renters Insurance Claim Work?

There may come a time when you need to file a claim through your NJM renters insurance. In such cases, it's important to notify NJM as soon as possible and provide us with an inventory of lost or damaged items and other necessary documentation. You should also inform the police or credit card company in case of theft or compromised credit cards.

An NJM adjuster will review your claim, assess policy details, and determine if your policy covers the claim and for how much.

Average Payout of a Renters Insurance Claim: $7,702§

Burst Pipe
Sudden discharge from a burst pipe
Broken Lock
Burglary or theft
Diamond Ring
Lost property*

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 coverage limits.

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 pay for covered damage that 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.

You can request certain customizations in Manage Your Policy. Learn more or log in.
Learn more about your customization options by calling us at 1-800-232-6600.

See All Endorsements

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

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

§ Claim payout amounts based on the average payment issued for Connecticut, New Jersey, Ohio, and Pennsylvania NJM Renters Insurance policy claims submitted in 2022.

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.