• Cons
    Absence of an app for policy management., Limited to only five states.
  • Coverage Type
    Above the typical coverage
  • Discounts Type
    Impressive
  • Consumer Complaints
    Relative to its size, NJM received significantly fewer home insurance complaints to state regulators than expected, as per data from the National Association of Insurance Commissioners over three years. (NAIC home insurance complaints also encompass other home policy types, such as mobile home, renters, and condo insurance.)
  • Digital Experience
    Depending on your state, the NJM website allows you to obtain a quote, make a payment, view policy details, upload documents, and report and track claims. The website also includes a helpful FAQ section with information about coverage, the claims process, and more.
  • Discounts
    Discounts for purchasing multiple NJM policies., Discounts for homes equipped with smoke detectors, burglar alarms, or automatic sprinkler systems., Discounts for nonsmokers., Discounts for those aged 65 or above., Discounts for homes with an automatic backup power supply or portable generator., Discounts for paying your premium in full, upfront, or opting for electronic payments., Discounts for opting for paperless statements., Discounts for homes with impact-resistant glass on all windows., Discounts for homes with a new roof, depending on the home's age.
  • Falls Short
    Availability. At present, NJM offers homeowners policies in a limited number of states.
  • Contacting Customer Service
    For support, you can send an email via the website or call 800-232-6600. Customer service representatives are accessible Monday through Friday, from 7 a.m. to 9 p.m., and on Saturdays between 8:30 a.m. and 4:30 p.m.
  • Claim Filing
    To lodge a homeowners claim with NJM, you can dial 800-367-6564 or provide details online. The company issues claims payments either by check or electronically.
  • Not Covered
    Flood damage., Earthquakes., Infestations., Routine maintenance or wear and tear., Pollution, war or nuclear hazards., Wind or hail damage to your lawn, trees, or garden.
  • Optional Coverage
    Scheduled personal property, providing additional coverage for valuable possessions like jewelry and heirlooms., Extra fraud protection for instances such as credit card fraud, forged checks, or counterfeit money., Identity theft coverage, covering up to $15,000 for expenses incurred if your identity is stolen., Earthquake insurance, covering damage to your home or belongings from an earthquake (not available in Connecticut)., Coverage for fungal damage, or issues like wet or dry rot., Supplemental loss assessment, in case your condo or homeowners association is held responsible for an injury or property damage and you need to contribute your part., Assisted living care coverage, extending personal property and liability coverage to a family member in a nursing home or similar facility., Increased coverage for items in storage, raising your coverage limit for belongings in a self-storage unit., Increased coverage for other structures, raising your coverage limit for detached structures like sheds or pools on your property.
  • NAIC Complaints
    Significantly less than anticipated
  • Pros
    Offers coverage that other companies usually charge more for., Significantly less consumer complaints than anticipated for a company of its magnitude., A wide variety of additional coverage options available.
  • Standar Coverage
    Dwelling. Covers repair or reconstruction costs for your home structure., Other structures. Provides coverage for damage to detached structures such as sheds or fences., Personal property. Covers the cost to repair or replace personal items like furniture or apparel., Loss of use. Covers expenses like hotel stays and meals if your home undergoes repairs due to covered damages and you need to live elsewhere., Personal liability. Takes care of legal costs and damages if you're held accountable for injuries to others or damage to their property., Medical payments. Provides coverage for injuries to guests in your home, irrespective of who is at fault.
  • Stands Out
    Ample coverage. Unlike many companies, NJM offers guaranteed replacement cost coverage for your home as part of its standard policies., Customer complaints. The low volume of consumer complaints to state regulators suggests NJM’s strong commitment to customer service.
  • State Availability
    Connecticut, Maryland, New Jersey, Ohio, Pennsylvania
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