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Renters
This Isn't Just Your Home
Whether you're renting an apartment in University City or a family home in Bucks County, NJM knows you've got some stuff. Finding the money to replace that brand new Eagles Super Bowl jersey or your flat screen after a catastrophic event can be tough. That's where NJM comes in, with a competitively priced renters insurance policy that caters to your needs.
Save with Discounts
You deserve some bonuses 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.
Age 65 and Over Discount
You've collected a lot of memorabilia. Even if you're looking to downsize, you'll still need to protect those memories. Save on your renters policy with NJM.
Paid-in-Full Discount
If you pay your premium in full within the first month of your policy term, you'll receive a discount.
You're going to love NJM.
Here's what our customers say:
Who Needs Renters Insurance?
Renters insurance is not required by law in Pennsylvania, but your landlord's insurance 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: $1,535§
Sudden discharge from a burst pipe
$1,255§
Burglary or theft
$943§
Lost property*
$1,564§
How Much Is Renters Insurance in Pennsylvania?
From West Chester to Conshohocken and beyond, the Keystone State is home to thousands of renters. The average cost for an NJM Renters policy in Pennsylvania is $13 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 vacation 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 policy limit.
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.
Renters Insurance Buyer's Guide
We've compiled a guide to help you research and apply for renters insurance in the Keystone State.
Download Buyer's Guides
For Renters policies effective 1/1/18 and later
For Renters policies effective 12/31/17 and earlier, view important documents like these when you log in to your policy.
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.
Learn more about your customization options by calling us at 1-800-232-6600.
See All Endorsements
Why NJM?
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 New Jersey or Pennsylvania NJM Renters Insurance policy claim submitted in 2018.
* Coverage only applies to lost or misplaced items if they are named under the Scheduled Personal Property endorsement.
† Monthly premium is an estimate, and assumes a $750 deductible along with the following coverage limits: $25,000 in Personal Property; $7,500 in Loss of Use; $300,000 in Liability; and $3,000 in Medical Payments to Others.
‡ The discount does not apply on New Jersey Re-Insurance Company auto policies.
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.
