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Lawmakers probe shortage of mobile-home insurance along Jersey shore; commissioner points to surplus lines and FAIR Plan

New Jersey Senate Budget and Appropriations Committee · May 1, 2025
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

Senators raised constituent complaints that mobile and manufactured homeowners in Cape May County and shoreline communities cannot obtain property insurance; Commissioner Justin Zimmerman said the market is a specialty line, roughly 23,000 policies exist statewide, and suggested surplus lines and the New Jersey FAIR Plan as options while regulators investigate carrier decisions.

Senators told the Budget Committee that constituents who own mobile or manufactured homes in Cape May County and elsewhere along the Jersey shore are facing a growing difficulty obtaining property insurance. They described cases in which existing policies were terminated and few carriers were willing to issue new policies in those areas.

Commissioner Justin…

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