As of January 1, 2026, a standard New Jersey auto policy must include at least $35,000/$70,000/$25,000 in liability coverage and $15,000 in PIP. Here's what those limits mean.
New Jersey homeowners insurance does not cover flood. NFIP and private flood policies are available, and most NFIP coverage has a 30-day wait. What is covered and when to buy.
New Jersey's Department of Banking and Insurance takes consumer insurance complaints online, by mail, or by fax. Here's what to include and how to reach the Department.
New Jersey's FAIR Plan, run by the Insurance Underwriting Association, is a last-resort property market. It offers basic coverage, with optional theft, and does not include personal liability.
A standard New Jersey auto policy asks you to choose a PIP medical limit and a lawsuit option. Here's what those choices on the coverage selection form actually mean.
New Jersey's basic auto policy costs less than a standard policy because it leaves out important liability protection. Compare the two before you choose the cheaper one.