Extra Coverage for Prized Possessions 

Renters Insurance Endorsements

Insure the Valuables...Like Your Credit Card

Your standard NJM Renters Insurance policy is going to insure the personal property at your place. But what if you want to add more coverage for jewelry, silverware, furs, or computer equipment? You may even want insurance for credit card and identity fraud. What you need are endorsements. An endorsement can either increase the dollar limit of coverage for certain items or extend coverage to items not included in your standard renters insurance policy.

Customize Your Policy With Endorsements:

Scheduled Personal Property Provides broader protection for specific articles of jewelry, fur and/or silverware.* Requires an up-to-date appraisal for each item, photos, and copy of original receipt. Learn more.

Personal Property Replacement Cost Your covered personal property losses will be settled by NJM at the amount necessary to repair or replace the covered property at today's costs.

Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money Coverage This endorsement increases your maximum NJM homeowners policy coverage of $500 if you credit card is used fraudulently or you experience a loss due to forged check or counterfeit money.*

Coverage C Increased Special Limits of Liability Increase coverage on personal property that are subject to special limits. Includes money, securities, jewelry, watches, furs, firearms, silverware, electronic apparatus and computer equipment.

Identity Fraud Expense Coverage Provides reimbursement up to $15,000 for expenses incurred by an insured as the result of identity fraud.

Other Members of Your Household Household Provides Personal Property, Personal Liability, and Medical Payments to Others coverage to a person who lives with the insured and is a member of the insured household who is not an owner, a guest, a residence employee, a tenant, a roomer or a boarder.

*Policy deductible does not apply.