Protecting Your Future

New Jersey Umbrella Insurance

Coverage for the Unexpected

An umbrella policy provides additional liability insurance, which gives you added protection for covered claims where the damages or injury exceeds the limits of your auto or home insurance policy.

Added Protection for Your Auto Policy

Your liability for a serious car accident could exceed the liability limits of your car insurance policy. In the event of a lawsuit resulting from a covered car accident, your umbrella policy limit can provide another level of protection above the liability limit of your auto policy.

Safeguarding Your Home from Liability

Unfortunately, accidents happen in the home, sometimes resulting in serious injuries to visitors. Such accidents could lead to a significant claim against the homeowner. If someone makes a claim against you that is covered by the policy, umbrella coverage can give you additional protection above your homeowners policy's liability limit.

See If You're Eligible

Umbrella policies are available to current NJM Auto policyholders and current NJM Homeowners policyholders who do not own an auto.

How Much Does It Cost?

Umbrella policies are more affordable than you might think. In most cases, a New Jersey umbrella policy with a $1 million liability limit for a customer with two cars and one home would cost between $203–$274 per year. So, for less than $1 a day† you can have the added peace of mind of $1 million in liability protection — good anywhere in the world.

The price of the policy will vary based on your specific liability exposures, property location, and the coverage limits chosen, and coverage is subject to underwriting approval. Higher limits are available, subject to underwriting review.

Customize Your Policy with an Endorsement

Excess Uninsured and Underinsured Motorists Coverage

Normally, an umbrella policy excludes Uninsured/Underinsured (UM/UIM) coverage. This endorsement provides an additional $1,000,000 in UM/UIM coverage if you are involved in a covered accident with a driver who is uninsured or underinsured, and the bodily injuries and/or property damage exceeds your underlying auto policy's UM/UIM limits. $500,000 UM/UIM limits must be maintained on your auto policy.

Should You Have Umbrella Insurance? Ask Us.

Contact us to speak with a representative who can answer your questions and complete your application over the phone.

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† The actual price of the policy will vary based on your specific liability exposures and the coverage limit chosen. Your auto and homeowners policies each need to have a minimum liability limit of $500,000 and members of homeowners or condominium associations need to have a minimum of $50,000 in loss assessment protection.

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.