NJ Manufacturers Insurance: Auto, Home & Renters 2024 Updates

Are you in search of a good insurance group policy that can cover both your auto insurance, homeowners insurance, and rental insurance? NJ Manufacturers Insurance is a no-brainer considering all it has to offer. Read the full details!

NJ Manufacturers Insurance

Overview of NJ Manufacturers Insurance

New Jersey Manufacturers Insurance Company is an American mutual insurance group of companies, offering personal auto, cosprchove mydlo na akne body nike dla dzieci from athletes to fashion forward consumers how adidas boost is winning over fans como espantar perros Mexico пелетни печки цени små stoler μποτες εσκιμωου αντρικες barry sanders jersey new nike air max asu football jersey vorhänge verkaufen ensemble suspension et applique amazon costume carnevale cucciolo sette nani tuta nike 830345 marella outletmmercial auto, workers’ compensation, homeowners, condo, renters, and umbrella insurance.

Formed as a workers’ compensation insurance company on June 7, 1913, the property and casualty mutual company operates under the name NJM Auto Insurance, providing coverage mainly in New Jersey and Pennsylvania.

The organization transitioned away from an exclusive membership of policyholders in 2018. Now they offer moderate premiums and superior claims processing to the general public.

Until last year, New Jersey Manufacturers Insurance was available only to members of certain groups. NJM dropped those restrictions in 2018 and now offers auto, homeowners, renters, and umbrella insurance to anyone in New Jersey or Pennsylvania.

NJM sells policies directly to customers by phone and online rather than through agents and gets top marks for customer satisfaction.

Customer satisfaction is highNot available in all states
Complaints are lowNo mobile app for managing policy
Possible dividend payments for New Jersey policyholders 

NJM gets high marks for auto insurance customer satisfaction:

  • It is the first company to earn J.D. Power’s Personal Auto Claims Certification, based on customer satisfaction with claims and J.D. Power’s audit of the company’s practices.
  • D. Power rates NJM “among the best” for the mid-Atlantic region in its 2019 U.S. Auto Insurance Study of Customer Satisfaction.
  • It ranks among the top three auto insurers nationwide in Consumer Reports’ most recent car insurance satisfaction survey.

NJM Auto Insurance Offers

NJ Manufacturers Insurance

NJM offers all the usual coverages, including liability, other state-required coverage types, comprehensive and collision, as well as roadside assistance.

If you buy comprehensive and collision coverage, NJM’s policies also include a few extras:

  • New car replacement. If your new car has fewer than 15,000 miles on it and is totaled or stolen within 12 months after you buy it, NJM’s new car replacement coverage will pay what it costs to replace it, less your deductible.
  • Rental reimbursement. In New Jersey the policy includes coverage of $30 a day, to a maximum of $1,200, to rent a car while yours is out of commission after a covered accident. Pennsylvania drivers get coverage of $20 a day, up to $600. You can buy increased coverage in both states.
  • Pet coverage. NJM will pay up to $1,000 for treating your dog or cat if it’s injured in a covered car accident. This is available with comprehensive or collision coverage; buying both isn’t unnecessary.

Therefore, if you buy comprehensive and collision coverage, you can also add gap insurance, which helps pay off your loan or lease balance if your vehicle is totaled or stolen.

However, Pennsylvania policies offer accident forgiveness, an option NJM doesn’t offer in New Jersey.

With accident forgiveness, one at-fault accident won’t cause your rates to go up if you’ve previously been a safe driver and meet other qualifications.

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Auto Insurance Discounts

NJ Manufacturers Insurance

Auto insurance discounts from NJM include:

  • Multi-policy discount.
  • Multi-vehicle discount.
  • Offers a discount for paying your premium in full, upfront.
  • Discount for paying your premium electronically.
  • Discount for buying both collision and comprehensive coverage.
  • Offers discounts for vehicle safety features like anti-lock brakes and airbags.
  • Discount for driving a car no more than two model years old.
  • Student discounts for having good grades and for leaving the car at home while living at a school more than 100 miles away.
  • Young driver training discount.
  • Discount for taking a defensive driving class (in NJ).
  • Discount for drivers 55 and older taking a driver improvement course (in PA).

NJM Homeowners Insurance

NJM policies for homeowners offer all the standard coverages, including liability coverage, personal property insurance, and protection for your home and other structures like sheds. You can also buy add-ons such as:

  • Extra coverage for valuable items like jewelry and heirlooms.
  • Extra fraud protection in case you’re a victim of credit card fraud, a forged check, or counterfeit money.
  • Identity fraud coverage, which pays up to $15,000 for expenses you encounter if your identity is stolen.


Homeowners insurance discounts from NJM include:

  • Multi-policy discount.
  • Discount for features such as smoke detectors, burglar alarms, and automatic sprinkler systems.
  • Discount for insuring a new construction home.
  • Nonsmoking discount.
  • Discount for being 65 or older.
  • Discount for having an automatic backup power supply or portable generator.

Additional Policies Offered by NJM Auto

NJM Auto offers other types of insurance coverage depending on the policyholder’s state:

  • Homeowners insurance (NJ, PA)
  • Recreational vehicles (NJ, PA)
  • Classic cars (NJ, PA)
  • Motorcycles (NJ, PA)
  • Boats and personal watercraft (NJ, PA)
  • Umbrella insurance (NJ, PA)
  • Commercial auto (NJ, NY, PA)
  • Commercial general liability (NJ, NY, PA)
  • Worker’s compensation (CT, DE, MD, NJ, NY, PA)

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To Round Up

NJM also offers insurance policies for; Condo insurance, umbrella insurance renters insurance, and also some types of business insurance in select states.

You should also note that NJM is the right choice of insurance for you and your household.

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