Products - New Jersey Skylands

New Jersey Skylands Insurance Association offers insurance coverage for the homes, cars, boats and valuable belongings of Garden State residents. NJ Skylands helps make life simple, too, by allowing you to put your home, cars – even your boat – on one convenient policy. We call it: OneChoice CustomPac. It’s one policy, one bill. And if you only need insurance coverage for your car or truck, we can handle that too. Our insurance solutions are fully customizable for qualifying members.

Homeowners Insurance

Easy-to-understand protection and one property limit that covers the dwelling, its contents, other structures and even costs incurred if you’re forced from your home.
Expanded replacement cost coverage for the dwelling is available, as your independent agent for details.
Receive the amount to replace items at today’s cost, rather than a depreciated value, with replacement cost coverage for contents.
Protection for personal belongings, like clothing, furniture and more. You can add more coverage for jewelry, watches, furs, silverware or other valuable items, too.
Increased special limits for certain personal property is available, ask you independent agent.
Personal injury liability coverage.
Discounts include: Prime Time, Home Buyer, Insurance to Value and more.
If you own a condo, get coverage for permanent fixtures and updates or improvements you've made.
If your condo association doesn't have enough insurance to cover things like fire damage or an injury occurring on common property ask your Independent Agent about our coverage options.

Auto Insurance

Perfect fit for all types of customers, including families with multiple drivers.
Offers protection that covers travel expenses following an accident.
New cars (in their first three model years) get original equipment manufacturer (OEM) parts on repairs.
Save even more with discounts for: Paid in Full, Multi-Car, Clean Driver, Good Student, and more – ask your independent agent.

Package Insurance

Simplicity and convenience all built in to OneChoice CustomPac. Your homeowners, car and personal belongings insurance are combined into one policy. In the unfortunate event that you have a loss involving both your home and vehicle, you’ll only have on deductible.
Upgrade to CustomPac Elite and Identity Theft Expense Reimbursement, Water Backup Coverage, and other valuable product enhancements are included. Ask your independent agent for more details.

Additional Protection

Identity Theft

NJ Skylands offers an Identity Theft Expense Reimbursement option. It provides protection of up to $15,000 for losses due to identity theft, like lost wages.

Watercraft

Protection for boats, boat trailers, unattached equipment, accessories and personal effects, in addition to liability for boating accidents and medical payments.

Umbrella Protection

OneChoice Umbrella goes beyond your auto, home and boat coverage and provides coverage for claims above those limits.

Please refer to the actual policy for exact coverage descriptions. Coverages and discounts are subject to policy terms; limits, exclusions and deductibles apply.