NJM
- Includes coverage other companies charge extra for.
- Very low rate of consumer complaints.
- Many extra coverage options available.
- No app to manage your policy.
- Available in only five states.
About NJM home insurance
NJM homeowners insurance earned 4.9 out of 5 stars for overall performance.
NJM may operate in only a handful of states, but when it comes to coverage, it punches above its weight. NJM home insurance includes not only the basics you’d expect but also a suite of additional coverage that would cost extra at many other companies.
Based on these considerations, NJM is among NerdWallet’s Best Home Insurance Companies of 2025.
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Answer a few questions to see custom quotes and find the right policy for you.Where NJM home insurance stands out
Generous default coverage. Not all companies offer guaranteed replacement cost coverage for your home, and even fewer include it with standard policies the way NJM does.
Customer complaints. NJM’s low rate of consumer complaints to state regulators indicates a company with strong customer service.
Extra coverage. NJM has a variety of coverage options you can add to your policy.
Where NJM home insurance falls short
No app to manage your policy. If you want to view policy information on your phone, you’ll need to use NJM’s mobile website instead of an app.
Availability. NJM currently sells homeowners policies in only a handful of states.
What NJM home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
In addition, NJM includes other types of coverage that often cost extra at other companies:
Guaranteed replacement cost coverage. Ensures enough of a payout to rebuild your home with similar materials even if your dwelling coverage falls short. To be eligible for this coverage, you must insure your home to NJM’s full recommended replacement cost limit.
Replacement cost coverage for your personal belongings. Pays enough for you to buy new belongings if yours are stolen or destroyed. (Other companies may pay less for older items that have lost value over time.)
Water backup coverage. Pays to repair damage if your sump pump overflows or water backs up into your home.
Optional NJM home insurance coverage
You can further customize your NJM policy with the following add-ons:
Scheduled personal property. Offers extra coverage for valuable items like jewelry and heirlooms.
Extra fraud protection, in case you’re a victim of credit card fraud, a forged check or counterfeit money.
Identity theft coverage. Pays up to $15,000 for recovery expenses if someone steals your identity.
Earthquake insurance. Pays for damage to your home or belongings from an earthquake (not available in Connecticut).
Coverage for fungi damage, or issues such as wet or dry rot.
Supplemental loss assessment, when your condo or homeowners association faces a large expense and you have to pay your share. Coverage applies to assessments for liability or damage claims.
Assisted living care coverage, which extends personal property and liability coverage to a relative in a nursing home or similar facility.
Increased coverage for items in storage. Raises your coverage limit for belongings in a self-storage unit.
Increased coverage for other structures. Raises your coverage limit for sheds, pools and other detached structures on your property.
What’s not covered
NJM homeowners policies generally won’t cover:
Earthquakes, landslides or mudslides.
Infestations.
Normal maintenance or wear and tear.
Pollution, war or nuclear hazards.
Wind or hail damage to your lawn, trees or garden.
Where NJM home insurance is available
NJM offers homeowners insurance in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best home insurance in your state
Discounts
NJM may offer discounts for the following, depending on where you live:
Buying more than one NJM policy.
Having features such as smoke detectors, burglar alarms or automatic sprinkler systems.
Being a nonsmoker.
Being 65 or older.
Having a generator.
Paying your premium in full, upfront, or signing up for electronic payments.
Opting for paperless statements.
Having impact-resistant glass on all windows.
We recommend getting home insurance quotes from at least three companies to find the best value on the coverage you need.
Consumer complaints
One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. NJM scores highly on this measure, drawing a very low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
How to file a claim with NJM
To file a homeowners claim with NJM, you can call 800-367-6564 or submit details online. The company makes claims payments by check or electronically.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.How to contact NJM customer service
Phone: Call 800-232-6600 Monday through Saturday.
Email: You can send an email through NJM’s contact page.
Online tools
Website: You can use the NJM website to get a quote, make payments, view policy details, upload documents, and report and track claims. (Online features may vary depending on where you live.) The website also has a useful FAQ section with information about coverage, claims and more.
Mobile app: NJM doesn’t have an app you can use to manage your homeowners policy.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other types of insurance does NJM offer?
What other types of insurance does NJM offer?
NJM sells various other products including auto, condo, renters, umbrella and commercial insurance. To learn more, read our NJM auto insurance review.
Does NJM insure mobile homes?
Does NJM insure mobile homes?
No, NJM doesn’t offer coverage for manufactured or mobile homes. To research other options, see our guide to manufactured and mobile home insurance.
Does NJM home insurance have dog breed restrictions?
Does NJM home insurance have dog breed restrictions?
No. NJM doesn’t reject homeowners applications or limit liability coverage due to the breed of dog you have. However, the company may not sell you a policy if your dog has previously hurt someone or damaged their property. Learn more about dog liability insurance.
Does NJM home insurance cover roof leaks?
Does NJM home insurance cover roof leaks?
It depends on why your roof is leaking. If the cause is something your homeowners policy excludes, such as wear and tear, damage from the leak won’t be covered. But other causes, such as a windstorm that ripped a piece of the roof off, may be covered. Learn more about homeowners insurance and roof leaks.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
