New Jersey Renters Insurance Information
Morris County, NJ & Surrounding Areas
We offer more affordable New Jersey renters insurance policies that
have flexibility to meet your individual needs and above all, provide you
with the security that comes only from the knowledge that your home is
safe. If you live in an apartment or a rented house, a New Jersey renters
insurance policy covers you and your possessions. A standard renters
insurance policy protects your personal property in many cases of theft
or damage, and may pay for temporary living expenses if your rental is
damaged so seriously you can't live in it. New Jersey renters insurance
can also protect you from personal liability.
The standard New Jersey renters insurance policy covers the actual
cash value of personal property. Payments are based on the
replacement cost of the property minus a deduction for physical
depreciation and obsolescence. If you add replacement cost coverage
(for an additional premium), the insurance company will pay one of the
two amounts below, whichever is lower?
Click on the link below to fill out a secure quote request form for a Morris County, NJ area Renters
Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can
speak with our New Jersey Renters Insurance agent specialist at (973) 584-5850 to discuss the
insurance policy features in more detail.
We are a Flanders, NJ insurance agency offering affordable New Jersey renters insurance policy
premiums to residents of the following towns, cities and counties in New Jersey: mount olive, budd
lake, hackettstown, ledgewood, succasunna, naughright, chester, mount freedom, randolph,
wharton, dover, beatyestown, port murray, great meadows, netcong, mount arlington, hopatcong,
mount hope, morristown, rockaway, morris plains, mendham, whippany, parsippany, boonton,
hurdtown, espanong, greendell, pottersville, bernardsville, basking ridge, mountainville, high bridge,
bunnvale, hampton, washington, hope, newark, trenton, camden, elizabeth, jersey city, paterson,
hackensack, cherry hill, vineland, millville, toms river, atlantic city, piscataway, fort lee, orange, union
city, paramus, new brunswick, bayonne, hoboken, north bergen, essex county, middlesex county,
mercer county, hunterdon county, bergen county, passaic county, morris county, warren county,
sussex county, somerset county, union county, hudson county, gloucester county, camden county,
burlington county, atlantic county, ocean county, cumberland county, salem county, monmouth
county, cape may county, NJ. We also offer renters insurance coverage throughout Connecticut,
Pennsylvania, and New York.
1. The cost to replace the property with a similar type and quality of
property without a deduction for depreciation.
2. The full cost to repair at the time of the loss.
New Jersey renters insurance policy is a popular form of personal
insurance and usually contains four sections: C, D, E, and F:

Coverage C - protects your personal property, (e.g. furniture, CDs, stereo and clothes). You
choose a dollar amount limit (what you think your possessions are worth) when you purchase a
Flanders, New Jersey area renters insurance policy.
Coverage D - covers loss of use - the expenses you face when your apartment can't be used due
to an insured loss. This is usually 20% of your personal property limit.
Coverage E - covers your personal liability claims and suits for bodily injury or property damage.
You choose this limit when you purchase the New Jersey renters insurance policy.
Coverage F - pays for medical expenses for minor injuries to others even if you were not at fault.
The policy normally includes limits of $1,000 per person.
A New Jersey renters insurance policy covers "named perils" listed on your policy and usually
include the following:
Theft, Fire or Lightning, Windstorm or Hail, Explosions, Riots, Aircraft, Vehicles, Smoke, Vandalism,
Falling objects, Weight of ice, snow, or sleet, Accidental discharge or overflow of water or steam,
Sudden and accidental tearing apart, cracking, burning, or bulging, Freezing, Sudden and accidental
damage from artificially generated electrical current , Volcanic eruptions (doesn't include earthquake
or tremors)
**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.

Please be advised that insurance coverage cannot be bound, changed or confirmed via voicemail, email,
fax or online at the agency's website. You must speak directly with a licensed insurance agent.
( also CT, PA & NY )
W.R. McClure
Insurance Services
Large enough to answer client needs and small
enough to maintain personal relationships.
Professionalism - Small Business Specialists
Whether you are searching for better commercial insurance
options or just starting your small business, we can help.
Experience - Dedication - Insurance Options
As an independent insurance agency we work for you.
We find affordable renters insurance policy products
from our wide range of insurance carrier options.
W.R. McClure
Insurance Services, Inc.
230 Route 206
Building 1 - Suite 8
Flanders, New Jersey 07836
Morris County, NJ
Office: (973) 584-5850
Fax: (973) 584-3440

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(973) 584-5850