How much can you save?
How Much Is Homeowners Insurance in Pennsylvania?
Home insurance costs are typically calculated using information on the home’s age, size, construction type, replacement cost, and location. With Pennsylvania’s climate, the possibility of an extreme weather event (such as a snowstorm or tornado) can also affect your premium rate. NJM will work with you to create a policy that fits just right and will give you peace of mind.
Check out some of our available discounts:
Auto + Home Bundle Discount
If you already have an NJM Auto policy, adding homeowners insurance is easy and helps you save.‡
Safe Home Discount
A security system does more than just offer another layer of protection for your home. We’ll give you a discount for taking additional steps to protect your family.
You’re going to love NJM.
Here’s what our customers say:
Who Needs Homeowners Insurance?
Walk through your home and start adding up the cost of everything inside of it. Your dining room set, your television, your wardrobe… If your home were to experience some kind of damage, such as a fire or a burglary, would you be able to afford to replace all those items? Although it is not required by law in the state of Pennsylvania, we think if you have a home, you would benefit from homeowners insurance. Your home is unique, and your policy should be, too. We use our extensive experience to craft a customized policy.
What Can Homeowners Insurance Cover?
After a covered loss, a basic homeowners insurance policy covers your home (the dwelling where you reside), other structures on the property, personal property, loss of use of your home due to damage, personal liability, and medical payments to others.
Experience a fire?
We've got your back if you need to repair or replace your personal belongings.
Friend injured while visiting your home?
We'll pay the medical expenses incurred up to your applicable policy limit.
Need a place to stay?
If damage from a covered loss requires you to vacate your home until it's repaired, we'll pay for the additional living expenses you incur for temporary housing.
Accidentally damage a neighbor's property?
We'll pay for covered damages that you're responsible for, up to your coverage limits.
Have Questions? We Have Answers!
Insurance is sometimes complicated, but no worries. Here are answers to some questions we commonly receive:
Customize Your Policy
You may need additional coverage to fit your needs. Endorsements allow you to add coverage for valuable items like jewelry and family heirlooms, as well as coverage for credit card fraud or identity theft. Personalize your coverage for your unique needs.
Learn more about your customization options by calling us at 1-800-232-6600.
See All Endorsements‡ This discount does not apply on Basic Personal Auto policies.
† $500 deductible applies. Lost income reimbursement limited to $200 per day up to $5,000 max. HO-5 policies automatically include Identity Fraud Expense Coverage.
The information contained on this page should not be construed as legal, financial or insurance advice. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy; the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.