Make A Payment
Report a Claim
Check Claim Status
New Jersey
We are proud to offer homeowners insurance in New Jersey through these financially-secure carriers, all of which maintain sophisticated reinsurance:
- US Coastal Insurance Company
- A.M. Best rated Surplus Lines carrier*
HO3 – Homeowners Policy
The Homeowners 3 policy form is referred to as an all-risk or open peril policy, covering your home from perils such as fire, lightning, theft and wind. The HO3 policy also includes coverage for your personal property and other structures associated with your home, as well as temporary provisions when your home is not livable. Personal liability and medical payments to others are also included. Ask your insurance representative about any optional coverages you may want to add. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.
Available through US Coastal Insurance Company1 and A.M. Best rated Surplus Lines carrier*
DP3 – Dwelling Fire Policy
The Dwelling Property 3 policy form is designed for seasonal, secondary or rental properties. The DP3 policy covers up to four family units. Since there is likely less need for extensive coverage of personal property items, as with a Homeowners 3 policy, the format allows you to save money by allowing you to only purchase the coverages you need. Consult your insurance representative about additional coverages for attached structures, personal property and loss of rent, until reasonably repaired, as well as other optional coverages you may require. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.
Available through US Coastal Insurance Company1
HO6 – Condominium Unit Owners Policy
The Homeowners 6 is specifically designed for condominium unit owners. The HO6 policy covers your contents and permanently attached building items inside your unit. If your damaged unit is not livable, the policy also includes loss of use, until it can be reasonably repaired. Personal liability and medical payments to others are also included, as is some coverage for loss assessment by the condominium association. Ask your insurance representative about any optional coverages you may need, such as scheduled jewelry or protection for rental condominiums. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.
Available through US Coastal Insurance Company1 and A.M. Best rated Surplus Lines carrier*
Important Notice: COVID-19
Governor Murphy issued Executive Order No. 123 on April 9th, 2020 and the New Jersey Department of Banking and Insurance issued Bulletin 20-15 on April 10th, 2020 regarding COVID-19. Please review our NJ Policyholder Notification COVID-19 Regulations for more information.
1US Coastal Insurance Company has been assigned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc. The most current FSR must be verified by visiting www.demotech.com.
*A.M. Best rated Surplus Lines carrier has been assigned a Financial Strength Rating® of A++ (Superior). The most current rating must be verified by visiting www.ambest.com.