Honeycomb Insurance × NJ Landlord Center
Apartment Buildings (5+ Units)
A landlord program for New Jersey apartment buildings with five or more units, quoted and placed by NJ Landlord Center, a Friedlander Associates agency.
Stop 1 · The building
Building coverage
The building itself, roof to foundation, including the old cornice a windstorm just tore loose. The program lists building coverage for the structure.
Stop 2 · The public sidewalk
Landlord liability
A heaved sidewalk slab in front of the building is how many trip-and-fall claims start. The package includes general liability.
Stop 3 · A vacated unit
Loss of rents
After a fire, a unit can sit empty for months while it's repaired, and the rent stops. The program lists business income coverage for damage that “causes tenants to move out.”
Stop 4 · Inside the walls
Ordinance or law
Open an old wall for a repair and the building code can require the original wiring and pipes to be brought up to today's standard. The program lists enhanced ordinance and law, which it calls “ideal for landlords who own older apartment buildings.”
Stop 5 · The basement stairs
Medical expenses
A skateboard left at the bottom of the basement stairs can send a visitor to the doctor. The program's general liability lists medical expenses, which can pay a guest's medical bills after a covered injury without anyone having to prove fault.
Stop 6 · The laundry room
Water backup
A backed-up floor drain can flood a basement laundry and storage room fast. The program lists water backup, for water from “a clogged sewer line, a backed-up drain.”
Your next step
Get your quote through NJLC
Send your current declarations page. NJ Landlord Center reviews your coverage, quotes the program, and gets back to you. Most quotes come back in 24–48 hours.
What the program lists
Beyond the building itself
Each item below is worded as Honeycomb publishes it. Coverage is subject to underwriting and policy terms.
Loss of rents
Lost rental income while a covered loss is repaired and tenants can't live in their units.
Published as: “Business income coverage”*
Ordinance or law
The extra cost of bringing an older building up to current code after a covered loss.
Published as: “Enhanced ordinance and law (A/B/C)”*
Medical expenses
A visitor's medical bills after a covered injury on the property, without having to prove fault.
Published as: “Medical Expenses”*
Water backup
Water that backs up through a clogged sewer line or a floor drain.
Published as: “Water backup”*
How it works
The Honeycomb Insurance, placed by a New Jersey agency
- 1
Send your declarations page
Upload your current policy on NJLC's quote page. No documents handy? Call or send a note instead.
- 2
We review and quote
NJ Landlord Center reviews your coverage and quotes the Honeycomb Insurance for your rental.
- 3
Quote in 24–48 hours
Most quotes come back within two business days. Nothing is bound until we confirm it in writing.
Better coverage for your rental is one upload away
Send your declarations page and NJ Landlord Center will quote the program for your building.
Important information
* Program feature as published by Honeycomb. Coverage is subject to underwriting and policy terms.
NJ Landlord Center is a trade name of Friedlander Associates Inc. Agency NPN 5735331 · NJ Producer License 9725274.
Honeycomb Programs, Inc. is a general agent for affiliated insurance companies. Friedlander Associates Inc. is appointed by Honeycomb. Policies are issued byHoneycomb's partner insurance companies, not by Honeycomb, NJ Landlord Center or Friedlander Associates Inc.
Submitting a quote request or your declarations pages does not bind coverage and does not create an agency or client relationship until we confirm it in writing.
General information, not insurance or legal advice. Eligibility and coverage are subject to underwriting and the terms of the policy issued.
Honeycomb and the Honeycomb logo are trademarks of Honeycomb Programs, Inc., used with permission.