NJM Homeowners Insurance Review 2025
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Coverage options
Discounts
NAIC complaints
NJM
Coverage options
Discounts
NAIC complaints
Choose NJM home insurance if…
Why trust NerdWallet
About NJM home insurance
NJM homeowners insurance earned 5 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.
How NJM home insurance stacks up
Includes coverage other companies charge extra for.
Far fewer consumer complaints than expected for a company of its size.
Many extra coverage options available.
No app to manage your policy.
Available in only five states.
Where NJM home insurance stands out
Generous 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.
Where NJM home insurance falls short
Availability. NJM currently sells homeowners policies in only a handful of states.
State availability
NJM offers homeowners insurance in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
Standard NJM home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
In addition to this standard coverage, NJM includes four additional types of coverage that often cost extra at other companies:
Guaranteed replacement cost coverage, which 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, which pays enough for you to buy new belongings if yours are stolen or destroyed. (Other companies may pay less to reflect the depreciated value of older items.)
Water backup coverage, which pays to repair damage if your sump pump overflows or water backs up into your home.
Ordinance or law coverage, which pays for expenses associated with upgrading your home to current building codes after a covered claim.
Optional NJM home insurance coverage
You can further customize your NJM policy with the following add-ons:
Scheduled personal property, which 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, which pays up to $15,000 for expenses you encounter if someone steals your identity.
Earthquake insurance, which 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 is liable for an injury or property damage and you must pay your share.
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, which raises your coverage limit for belongings in a self-storage unit.
Increased coverage for other structures, which 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:
Infestations.
Normal maintenance or wear and tear.
Pollution, war or nuclear hazards.
Wind or hail damage to your lawn, trees or garden.
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 an automatic backup power supply or portable generator.
Paying your premium in full, upfront, or signing up for electronic payments.
Opting for paperless statements.
Having impact-resistant glass on all windows.
Having a new roof, depending on the age of the home.
We recommend getting home insurance quotes from at least three companies to find the best value on the coverage you need.
Consumer complaints
NJM received far fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Digital experience
Depending on your state, you can use the NJM website to get a quote, make a payment, view policy details, upload documents, and report and track claims. The website also has a useful FAQ section with information about coverage, the claims process and more.
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.
How to contact NJM customer service
For assistance, you can submit an email through the website or call 800-232-6600. Customer service representatives are available Monday through Friday, 7 a.m. to 9 p.m., and Saturday between 8:30 a.m. and 4:30 p.m.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Methodology
Homeowners insurance star ratings 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 and online experience. 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. Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to 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.
In This Review . . .
DIVE EVEN DEEPER IN INSURANCE
