Simplified Homeowner Insurance Policies

"No more gibberish insurance talks and hiding conditions by using terms ordinary people are unfamiliar with, and that are usually in the midd..."

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No more gibberish insurance talks and hiding conditions by using terms ordinary people are unfamiliar with, and that are usually in the middle of a thousand-word fine print.


Gov. Chris Christie signed a bill (S-2502) that requires insurance companies to provide a one page summary and description of the terms of policies to homeowners together with the fine print. It should explain what will it cover and will not cover.

This law is designed to avoid the confusion that happened after Hurricane Sandy, were many homeowners discovered the limited coverage of their property insurance, most of them did not include flood insurance.

The law still requires the Department of Banking and Insurance to establish first a timeline for implementing the requirement. They will issue a proposal for public comment before they can finalize it.

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