Extra Coverage for Prized Possessions 

Renters Insurance Endorsements

Insure Your Valuables

Your standard NJM Renters Insurance policy will 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:

To add an endorsement, give us a call at 1-800-232-6600.

Scheduled Personal Property

Provides broader protection for specific articles of jewelry, fur and/or silverware.* May require an up-to-date appraisal, photos, and a copy of the original receipt for each item. Learn more.

Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money Coverage

Increases your maximum NJM Renters policy coverage of $500 if you experience a loss due to fraudulent use of your credit card, forged check or counterfeit money.*

Personal Property Increased Special Limits of Liability

Increases coverage on certain categories of 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 as a result of identity fraud.

Other Members of Your Household

Extends personal property and liability coverage to other members of your household. Although your policy provides coverage for the personal belongings owned by you and your family members who live with you, this endorsement provides coverage to protect the property owned by other household residents who are not relatives or tenants.

Limited Fungi, Wet or Dry Rot, or Bacteria

Provides additional coverage in the event of a covered loss for the testing and removal of fungi, the tearing out of any part of the property to access the fungi, and the repair of the property that was damaged in the process.

Water Back-up and Sump Discharge or Overflow

The policy does not provide coverage for damage caused by water overflowing from a sump. However, if your rental unit has a sump pump, this endorsement will provide up to $5,000 for this type of loss, even if it is caused by the mechanical breakdown of the sump pump.


While earthquakes are rare for this part of the United States, the possibility always exists. Damage caused by earthquakes is not covered under a renters policy. Coverage can provide protection for damage to your personal belongings caused by an earthquake.

Assisted Living Care Coverage

Provides personal property and personal liability coverage to a named relative residing in an assisted living facility.

To add an endorsement, give us a call at 1-800-232-6600.

* Policy deductible does not apply.

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.