BETTER THOUGHT OUT INSURANCE MEANS BETTER PROTECTION.

OUR HOMEOWNERS PROGRAM WAS SPECIALLY DESIGNED TO PROVIDE BROADER COVERAGE FOR YOUR PREMIUM DOLLAR.

• Open Perils Coverage for your personal property - Our policies clearly state in writing exactly what is excluded from coverage; losses from any other causes are covered. Most other policies provide coverage only for those causes actually listed. In addition, our policies are written on a Replacement Cost basis meaning no reduction is made in your loss for depreciation. In effect, we replace old, with new.

• Building Code, Law or Ordinance Coverage - When your covered loss is made greater because of the building codes, laws or ordinances which apply in your area, you will be paid for the additional costs incurred, up to the limit of liability, at no additional cost to you.

• Home Computer Coverage - Computers and software are covered on a replacement cost, "open perils" basis, including electrical damage and power failure.

OPTIONAL COVERAGES ARE ALSO AVAILABLE.

• Resident Companion Coverage - If you're a policyholder, we give you the option of broadening coverage to include your current resident companion under the New Jersey Domestic Partnership Act.

• "Extended Limit" Homeowners Endorsement - For homes that are eligible, we may add this endorsement which increases the limits that apply to the dwelling, other structures and loss of use by an additional 25% at the time of the loss.

• Home Business Endorsement - Our Homeowners policy can be endorsed to include many home-based businesses.

• Increased Limits for Specific Property - Including items such as furs, jewelry, silverware, money, credit card, computers and more. We even make it possible for you to insure certain items, such as fine arts, cameras, golf equipment and other property with specifically described values.

• Personal Excess Liability - Excess liability of up to $5,000,000 is available as an endorsement to the Homeowners Policy. This coverage protects you when you are sued for a covered loss and the amount exceeds the liability limits of your primary policies, such as Homeowners or Automobile.

• Special Coverage Enhancement Endorsement - Increases limits on jewelry and cash, includes sewer/septic backup and sump pump failure and provides many additional coverages for you and your home.

"Homeowners Program" (PDF file)
This 8 1/2 x 11 printable version of our brochure illustrates some of the coverage highlights in our Homeowner Program.

"Home Business Program" (PDF file)
This 8 1/2 x 11 printable version of our brochure illustrates some of the coverage highlights of our Program. Homeowner and business coverage under one roof.

"Personal Excess Liability Program" (PDF file)
This 8 1/2 x 11 printable version of our brochure illustrates some of the coverage highlights of our Personal Excess Liability Program.