New Jersey ho-6 insurance

New Jersey HO6 Insurance

New Jersey HO6 policy is designed for condo owners in the state of New Jersey. The New Jersey HO6 condominium insurance that standard insurance companies such as Safeco, Farmers and Nationwide in cities such as Trenton, Newark, Hamilton or New Brunswick, will cover losses to any of your personal items and any structure you own. This policy also covers damages to any fixtures that have been upgraded since the home was purchased. Due to the recent housing crisis, many lenders and mortgage companies in the Newark and Jersey City regions are requiring proof of insurance for condos.


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What Does HO6 Insurance Cover in New Jersey?

A standard condominium insurance policy in New Jersey whether you live in Trenton, Newark or Paterson will cover most damages to your NJ condo and your personal belongings from perils such as fire, vandalism damage from falling objects, trucks or vehicles.

What is One Benefit of Having New Jersey Condo Insurance?

Items not covered by the association master policy that may be your insurance responsibility.

Buying New Jersey Condo Insurance

Master Policy - Living in New Jersey as part of an association, the association should have a master insurance policy to see what they cover so that you don't pay for coverage that is already covered.

Deductibles - This is the out of pocket amount that you will need to pay for each claim before the insurance policy kicks in. Additionally, there will be a deductible in the master policy in the event that there is an insurance claim under the master policy. Each member of the condo association will need to contribute their portion if there is some sort of disaster.

HO6 Condo Insurance Required in Most Areas Throughout New Jersey

Due to the housing crisis, mortgage companies are requiring HO6 insurance policies for any new condo purchases in the state of New Jersey.

Where is HO6 Condo Insurance in New Jersey?

The state of New Jersey now requires condo insurance everywhere you live:
  • Trenton, NJ
  • Newark, NJ
  • Paterson, NJ
  • Jersey City, NJ
  • Camden, NJ
  • New Brunswick, NJ
  • Hamilton, NJ
  • Atlantic City, NJ
  • Clifton, NJ
  • Dover, NJ
  • Edison, NJ
  • Elizabeth, NJ
  • Princeton, NJ
  • Tinton Falls, NJ
  • Toms River, NJ
  • Morristown, NJ
  • Plainfield, NJ
  • Red Bank, NJ
  • Branchville, NJ
  • Cherry Hill, NJ
  • East Orange, NJ
  • Ewing, NJ
  • Hamilton Township, NJ
  • Lakehurst, NJ
  • Mahwah, NJ