This Isn't Just Your Home.
Whether you're renting an apartment in Annapolis or a family home in Frederick, you need to protect your stuff. Finding the money to replace that brand new mountain bike or your laptop after an unforeseen event can be tough. That's where NJM comes in, with a competitively priced renters insurance policy that caters to your needs.
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 by guests in your unit. An NJM Renters Insurance policy insures your personal property and personal liability.
Average payout of a renters insurance claim: $5,573§
Sudden discharge from a burst pipe
Burglary or theft
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.
How Much Is Renters Insurance in Maryland?
The average cost for an NJM Renters policy in Maryland is $16 a month.† That can be the difference between having to empty your savings to purchase a new computer if there's a leak in your apartment, and keeping that money for the trip you've been saving for.
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.
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.
§ Claim payout amounts based on the average payment issued for a Connecticut, New Jersey, or Pennsylvania NJM Renters Insurance policy claim submitted in 2021.
* Coverage only applies to lost or misplaced items if they are named under the Scheduled Personal Property endorsement.
‡ The discount does not apply on New Jersey Re-Insurance Company auto policies.
† Monthly premium figure is based on the average premium for in-force NJM renters policies by state (CT, MD, NJ, OH, and PA). Actual premium may vary depending on location and other factors.
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.