How much can you save?
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 Renters 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:
Auto + Renters Bundle Discount
If you already have an NJM Auto policy, adding renters insurance is easy and helps you save.‡
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: $6,563§
Sudden discharge from a burst pipe
$3,204§
Burglary or theft
$3,799§
Lost property*
$4,718§
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.
Experience a fire?
No problem. We've got your back if you need to repair or replace your personal belongings.
Friend injured while visiting your apartment?
We'll pay the medical bills up to your coverage limits.
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.
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.
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.
Have Questions? We Have Answers!
Insurance is sometimes complicated, but no worries. Here are answers to some questions we commonly receive:
‡ This discount does not apply on Basic Personal Auto policies.
§ Claim payout amounts based on the average payment issued on a countrywide basis for NJM renters’ insurance policy claims submitted in 2023.
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.