Condo & Renters Insurance for NJ Residents

Covers your furniture, electronics, clothing, and other belongings against covered perils like fire, theft, and water damage — whether the loss happens at home or away.

If someone is injured in your unit or you accidentally damage someone else's property, personal liability coverage can pay for legal costs and damages up to your policy limits.

Covers improvements and upgrades you've made to your unit — flooring, fixtures, cabinetry and more — that the association's master policy typically does not protect.

If a covered loss makes your unit temporarily uninhabitable, this coverage helps pay for hotel stays, meals, and other costs while repairs are made.

If your condo association levies a special assessment after a covered loss to common areas, loss assessment coverage can help cover your share of that cost.

Pays for minor medical expenses if a guest is injured in your home — regardless of fault — helping to resolve small claims quickly and without litigation.