Home Insurance
Smart Score
92
Customer Service
Industry Average: 7.9
Claims Process
Industry Average: 7.9
Value for Price
Industry Average: 7.6
New Jersey Manufacturers Overview
NJM Insurance has been in business since 1913, offering their service only to members of certain groups. They dropped their restrictions only in 2018, but are already known for excellent customer service and variety of non-standard, but practical policies on auto, homeowners, renters and umbrella insurance. NJM sells policies directly to customers by phone and online rather than through agents, and offers different discounts on other property insured through their organization. Commitment to being a better driver and other safety features can save you money as well. It’s not the cheapest option if you don't qualify for any deals, but it is for sure a company to trust.
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New Jersey Manufacturers Coverage Options
When it comes to their home, everyone has a different situation and differing needs for protection. While every home insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by New Jersey Manufacturers
| Available Option | What it means | |
|---|---|---|
Additional Insured | The additional insured endorsement extends the liability portion (Coverage E) of your homeowner policy to others living in the home who are not related by blood, marriage, or adoption. It can also apply to those not living with you but who have partial ownership of the property. For example, if your girlfriend's dog bites someone and she gets sued, this endorsement would allow her to make a claim on your policy to cover the costs. | |
Assisted Living | Generally, this endorsement just extends coverage to personal property that a family member has in an assisted living facility. Some insurers also reimburse a portion of the additional living expenses if your loved one is temporarily displaced. | |
Business Pursuits | Standard liability coverage protects you and your family against bodily injury or property damage claims made by others. However, this coverage extends only to your personal liability, not your business liability. This endorsement removes that exclusion, thereby providing coverage for harm resulting from business pursuits. Some businesses may not be eligible for this endorsement, depending on the state and insurer. | |
Child Care Liability | This niche endorsement offers some protection from potential lawsuits and damages for those that operate daycares from home. They cover liability (bodily injury and property damage claims from others). Some policies also cover damages to your personal property. Certain states may also require separate daycare insurance. | |
Computer | Like Scheduled Property, this endorsement provides additional coverage for households with expensive (or multiple) computers. A standard policy will provide some protection, but this extends it. Keep in mind; this is not a warranty. If a laptop simply malfunctions, coverage likely won't apply with most insurers. External damage from risks like fire, theft, and lightning surges are more what it covers. | |
Debris Removal | While many homeowners insurance policies cover some amount of debris removal after a covered loss, they tend to limit how much they will pay. This endorsement raises those limits on the standard policy. For insurers who don't offer debris removal by default, this endorsement enables such coverage. | |
Electronic Data Recovery | This endorsement covers the cost of recovering lost personal computer data caused by a loss. | |
New Jersey Manufacturers availability in these states
New Jersey Manufacturers Home Discounts
While all companies offer a range of home insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your home policy. For reference, we've listed all the discounts we believe New Jersey Manufacturers has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
| Available Option | Discount Data | What it means |
|---|---|---|
Home/Auto (Multi-policy) | 15% to 15% | When housing both a homeowners and car insurance policy with the same company, insurers can offer combined savings. |
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How does New Jersey Manufacturers compare to other insurance companies? Click the following links below to compare New Jersey Manufacturers to other top insurance companies.