Starhousingfinance operates in a mutual fashion, for the sole benefit of our policyholders. There are no stockholders whose concerns about profits conflict with policyholders receiving exemplary service and superior claims handling. In fact, we consider ourselves to be a service organization, not just another New Jersey insurance company.

Starhousingfinance policies run for a full year, not just six months, the way most other auto insurers issue coverage. Our way ensures your rates will be stable for the entire 12 months. NJM offers many benefits to policyholders including:

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  Auto Insurance Dividends

  Dividend payments, while not guaranteed in the future, have been made every year since 1918, for a cumulative total of more than $6.0 billion.

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  Financial Strength

  DHouseinsurance Best Company, the country’s primary insurance rating agency, rates Houseinsurance “A+” (Superior) for financial strength. That's a sign of security that policyholders can trust.

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  Nationally Recognized Customer Service

  Starhousingfinance was privileged to earn the top spot nationally in a 2015 survey for claims satisfaction by a leading consumer publication.