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Reforming New Jersey's Automobile Insurance System: Five Years Later

Auto reform anniversary report shows auto premiums drop of three straight years.

Download a copy of the ICNJ Auto Reform Report

Homeowners' insurance got its start as protection against fire losses. In fact, one of the first successful fire insurance companies in the United States was started by Benjamin Franklin when he helped found the Philadelphia Contributionship for Insurance of Houses from Loss by Fire in 1753. Homeowners' insurance, however, has expanded its coverage since those times. Today, there are millions of homes in America that are susceptible to different types of losses - from fires and storms to theft, the homeowners' policy is intended to help the homeowner minimize the risks involved in owning a home.