Most agents stop at a dwelling fire policy. We write the whole stack — and we'll tell you straight which lines you don't need for your property. Quote them all in one intake.
The foundation for residential rentals. DP-1, DP-2, or DP-3 policy forms — the difference between them matters, and most landlords are on the wrong one. We pick the right form for your property.
Typical premium: $800–$1,500/yr for a single-family rental in a non-deprioritized NJ town with no claim history. Older multifamily and urban properties price higher.
Full coverage detailsProperty coverage for commercial real estate — retail, office, industrial, mixed-use. Full replacement cost, business income, ordinance or law, equipment breakdown bundled where the building warrants it. Watch the coinsurance — most commercial property forms have 80% or 90% coinsurance and most NJ buildings are under-insured after the last five years of construction-cost moves.
Full coverage detailsSlips, falls, dog bites, lead paint claims, habitability claims. NJ's Truth-in-Renting Act, Anti-Eviction Act, and Consumer Fraud Act create specific landlord exposure that residential GL has to address. $1M per occurrence / $2M aggregate is the typical floor for residential; $1M/$2M minimum (often higher) for commercial.
Full coverage detailsWhen a covered loss makes your property uninhabitable, loss of rents pays the rent you would have collected during the period of restoration. On Dwelling Fire it's Fair Rental Value (often 10% of dwelling, automatically). On commercial it's Business Income with a chosen limit. Most landlords are under-insured because their limit was set when they bound the policy — and NJ rents have moved 30–60% since.
Full coverage detailsExtra limits over your property, GL, and (where applicable) auto and Employer's Liability. The most underbought coverage in landlord insurance. A serious tenant injury claim — wrongful death, child injured by lead paint, CO incident — runs into seven figures regularly. Raising underlying GL from $1M to $5M typically costs $400–$900/yr.
Full coverage detailsFor buildings with HVAC systems, boilers, elevators, electrical panels. Standard property doesn't cover mechanical breakdown — equipment breakdown does. Cheaper than the first claim it pays. Worth carrying on any 5+ unit multifamily, commercial property with central mechanical, or building with an elevator.
Full coverage detailsNJ has substantial pre-1978 housing stock. After a covered loss, building codes require upgrades to current code — electrical (knob-and-tube to modern), plumbing (cast iron and lead to current), structural, ADA. Ordinance or Law covers the cost of compliance. Coverage A, B, and C — typically 5–15% additional premium and routinely the difference between rebuilding and walking away.
Full coverage detailsNJ has substantial coastal AND inland flood exposure. NFIP through FEMA (capped at $250K residential / $500K commercial structure) plus private flood markets (Neptune, Wright Flood, FloodFlash, Hiscox, Beazley) for higher limits and sometimes broader coverage. Post-Sandy and Risk Rating 2.0 reshaped pricing — we're straight about what your zone actually costs.
Full coverage detailsFor commercial landlords leasing space to tenants. LRO is the property + liability program specifically built for landlords who don't occupy the building. Different from a BOP (which assumes owner-operator) and different from a tenant-occupied commercial policy. The right structure for a strip center or single-tenant retail you own and lease.
Full coverage detailsFor landlords with on-site employees — supers, building maintenance staff, leasing staff. NJ treats a resident-super exchange as employment. Required by statute once you have employees.
Full coverage detailsFor landlord-owned maintenance vehicles, supers using personal vehicles for company errands, and small property-management fleets.
Full coverage detailsProperty-management software, tenant payment portals, and tenant PII create cyber exposure landlords have only recently started underwriting against. Worth carrying for portfolios that take rent digitally.
Full coverage detailsBoard liability for HOAs and Condo Associations. Distinct from the master property + GL program. Often required by association bylaws.
Full coverage detailsMost policies restrict coverage on vacant buildings after 30–60 days. Vacant Building endorsements or standalone policies handle the gap during turnover, rehab, or transition periods.
Full coverage detailsRent collection, deposits, and vendor payments move real money. Fidelity and crime coverage protects your funds from theft by staff or a property manager — a gap property and liability leave open.
Full coverage detailsFor landlords with employees — wrongful termination, discrimination, harassment, and retaliation. Outside general liability, and a real exposure under NJ's broad employee-protection laws.
Full coverage detailsFor rental property under renovation or construction. Covers the structure in progress and materials, then hands off to permanent coverage when the work is done.
Full coverage detailsPete's progressive multi-line intake captures your full coverage stack in one sitting — we come back with a coordinated quote within 24–48 hours on most placements.