Homeowners Insurance New Jersey

Can pay to repair or rebuild your home due to a covered loss, such as fire, smoke, lightning, wind, and hail.

Provides coverage for the contents of your home in the event of a covered loss — both on and off your home’s premises.

Extends your dwelling protection coverage up to 150%, acting as a buffer to help prevent cost overruns.

Helps cover living expenses, such as hotel stays and meals, if your home becomes uninhabitable due to a covered loss.

Helps pay for bodily injury or property damage — both on and off your home’s premises — caused to others if you’re held legally responsible.

Provides medical payments to others if they accidentally get injured in or around your property.

Helps cover expenses you incur as a result of criminal identity theft.

Provides additional coverage for replacement costs for environmentally friendly alternatives or construction methods at a covered loss.

Helps cover the undamaged portions of siding or roofing to be replaced at the same time as damaged siding or roofing to avoid mismatch.

Covers food items if there is a loss of power or a mechanical failure of a refrigeration system resulting in spoiled food.