Home Insurance

At North Jersey Insurance Group, we understand that your home is far more than just a financial investment; it’s where you raise your family, create lifelong memories, and keep the possessions you value most. Our homeowners insurance policies are designed to protect not only the physical structure of your home but also everything that makes it uniquely yours. Coverage typically includes protection for your dwelling, attached and detached structures like garages or sheds, and the personal property inside your home such as furniture, electronics, and clothing. We also offer options for replacement cost coverage, ensuring that your belongings can be repaired or replaced at today’s value, not depreciated prices. In the event that your home becomes temporarily uninhabitable due to a covered incident, our policies include loss of use benefits to help cover additional living expenses while repairs are made.

We go beyond property protection by including critical liability coverage as well. If someone is injured on your property or you are found legally responsible for damage to someone else’s property, our policies provide personal liability protection and medical payment coverage to help manage the financial consequences. While this does not cover auto or business-related claims, it offers valuable peace of mind for you and your loved ones who reside in the home. Our team works closely with you to tailor your policy, ensuring it fits your lifestyle, your home, and your future. With North Jersey Insurance Group, you can rest easy knowing that your home is protected by a team that puts your peace of mind first.

The 4 Parts of Property Protection

Dwelling
Covers the main house structure, including fixtures like built-in appliances, plumbing, heating, and electrical wiring.

Other Structures
Covers detached property like sheds, garages, patios, fencing, and retaining walls. Business use structures require special coverage.

Personal Property
Covers contents inside the home such as furniture, clothing, and valuables. Optional endorsements can increase protection.

Loss of Use
Covers temporary living expenses if your home is uninhabitable due to a covered loss.