New Jersey, NJ Homeowners Insurance 

The Franchino Agency writes a great deal of homeowners policies in New Jersey due to the excellent companies we represent. They provide superior coverage and competitive prices. Combine that with our incomparable service and your decision to insure with us is easy.

Types of Homeowners Policies

1. A Standard Homeowners Policy (HO3) is for an owner occupied house one or two families. Coverage is provided for the house structure, other structures (such as a detached garage, shed, pool house), personal belongings (contents), loss of use for you and your family should a covered loss keep you from occupying the house while repairs are made. Liability coverage is also provided if any family member unintentionally injures someone else or causes property damage.
   
   
   If you would like a quotation, please complete our survey form and fax back. Homeowners Survey Form
   
   
2. Tenant or Renters Policy (HO4)
   A Renter or Tenants policy is for a rented apartment, rented house or rented condominium unit. Coverage is provided for your personal property, loss of use and liability as described above.
   
   
3. Condominium or Townhouse Policy (HO6)
   is for an owner occupied unit. Coverage is provided for your personal property (contents), and the portion of the condominium structure you own as well (also know as improvements and betterments). Also included is loss of use for you and your family should a covered loss keep you from occupying the condo while repairs are made. Liability coverage is also provided if any family member unintentionally injures someone else or causes property damage.

A TOWNHOUSE is the same as a condominium. The association owns the land and the building structure. You own the space that you live in and most times the improvements inside. Improvements are the kitchen cabinets, trim work, carpeting, appliances, all interior furnishings, and of course your own furniture and clothes.

A COOP (cooperative apartment) is not a condominium. A condominium is where you legally own your portion of the structure and pay dues to an association who manages it. A coop is where you own a share of a corporation that owns the building.

Learn about homeowners basic coverage

Unique enhancements on our homeowners policies.