New Jersey Renters Insurance Information
We offer affordable renters insurance policies that have flexibility to meet
your individual needs and above all, provide you with the security that
comes only from the knowledge that your home is safe. If you live in an
apartment or a rented house, a New Jersey renters insurance policy
covers you and your possessions. A standard renters insurance policy
protects your personal property in many cases of theft or damage, and
may pay for temporary living expenses if your rental is
damaged so seriously you can't live in it. It can also
protect you from personal liability.
The standard New Jersey renters insurance policy
covers the actual cash value of personal property.
Payments are based on the replacement cost of the
property minus a deduction for physical depreciation
and obsolescence. If you add replacement cost
coverage (for an additional premium), the insurance
company will pay one of the two amounts below,
whichever is lower?
1. The cost to replace the property with a similar
type and quality of property without a deduction for
depreciation.
2. The full cost to repair at the time of the loss.
New Jersey renters insurance policy is a popular form
of personal insurance and usually contains four
sections: C, D, E, and F:

Coverage C - protects your personal property, (e.g.
furniture, CDs, stereo and clothes). You choose a
dollar amount limit (what you think your possessions
are worth) when you purchase a New Jersey renters
insurance policy.
Coverage D - covers loss of use - the expenses you
face when your apartment can't be used due to an
insured loss. This is usually 20% of your personal
property limit.
Coverage E - covers your personal liability claims and
suits for bodily injury or property damage. You choose
this limit when you purchase the New Jersey renters
insurance policy.
Coverage F - pays for medical expenses for minor injuries
to others even if you were not at fault. The policy normally
includes limits of $1,000 per person.
A New Jersey renters insurance policy covers "named perils"
listed on your policy and usually include the following:
Theft, Fire or Lightning, Windstorm or Hail, Explosions, Riots, Aircraft,
Vehicles, Smoke, Vandalism, Falling objects, Weight of ice, snow, or
sleet, Accidental discharge or overflow of water or steam, Sudden and
accidental tearing apart, cracking, burning, or bulging, Freezing, Sudden
and accidental damage from artificially generated electrical current ,
Volcanic eruptions (doesn't include earthquake or tremors)
Click on the link below to fill out a quote request form for a New Jersey
Renters Insurance policy that will provide excellent insurance coverage
at an affordable cost. Or speak with our Personal Insurance Agent
Specialist to discuss the features.
We are your local northern New Jersey insurance agency, offering affordable renters
insurance policy premiums to residents in the following cities and counties:
Succasunna, Boonton, Boonton Township, Brookside, Budd Lake, Butler, Cedar
Knolls, Chatham, Chester, Convent Station, Denville, Dover, Dover Annex, East
Hanover, Fayson Lakes, Flanders, Florham Park, Gillette, Green Village, Greystone
Park, Hibernia, High Crest, Ironia, Kenvil, Kinnelon, Lake Hiawatha, Lake Hopatcong,
Lake Intervale, Landing, Ledgewood, Lincoln Park, Lindy Lake, Long Valley, Lower
Montville, Lyonsville, Madison, Mendham, Meriden, Millington, Mine Hill, Montville,
Montville Township, Morris Plains, Morristown, Mount Arlington, Mount Freedom, Mount
Olive, Mount Tabor, Mountain Lakes, Netcong, New Vernon, Parsippany, Pequannock,
Pequannock Township, Picatinny Arsenal, Pine Brook, Pinebrook, Pompton Junction,
Pompton Plains, Powerville, Ralston, Randolph, Riverdale, Rockaway, Rockaway
Valley, Schooleys Mountain, Stirling, Tabor, Taylortown, Towaco, Troy Hills, Wharton,
Whippany, Stanhope, Hopatcong, Espanong, Hurdtown, Cranberry Lake, Andover,
Greendell, Woodport, Springdale, Oak Ridge, Milton, Sparta, Lake Lenape, Newton,
Ogdensburg, Saxton Falls, Johnsonburg, Allamuchy, Vienna, Hackettstown,
Beattystown, Marksboro, Hope, Townsbury, Washington, Newark, Elizabeth, Rahway,
Colonia, Iselin, Avenel, Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South
Amboy, Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North
Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield,
Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex, Martinsville,
Piscataway, Edison, New Brunswick, Highland Park, Somerset, Milltown, South River,
Bound Brook, Somerville, Bridgewater, Fairview, Ridgefield, Fort Lee, Leonia,
Palisades Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus,
Bogota, Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South
Hackensack, Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook,
Garfield, Elmwood Park, Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford,
Wallington, Passaic, Clifton, Paterson, Totowa, West Paterson, Little Falls, Great
Notch, North Caldwell, Cedar Grove, Verona, Montclair, Bloomfield, West Orange, Glen
Ridge, Belleville, Nutley, Kingsland, North Arlington, Kearney, Harrison, East Orange,
East Newark, Orange, Irvington, South Orange, Hillside, Townley, Livingston, Wayne,
Morris County, Sussex County, Somerset County, Pasaic County, Bergen County,
Hunterdon County, Union County, and Warren County, NJ. We also offer renters
insurance services throughout the state of New Jersey, including the greater New York
City area.
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.
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