N.J. Stat. Ann. § 46:8-1 et seq. § 46:8-40
Owners of multiple dwellings; duties to make tenant insurable
Operative Text
No owner of a multiple dwelling shall do or refuse to do any act or permit any tenant to do any act which would prevent or make any tenant ineligible for crime insurance through the Federal Crime Insurance Program of Title VI of the Housing and Urban Development Act of 1970, 12 U.S.C. Sec. 1749 b b b et seq. L.1974, c. 48, s. 3, eff. June 25, 1974.
Under N.J.S.A. 46:8-40, owners of multiple dwellings in New Jersey are prohibited from taking actions—or failing to take required actions—that would disqualify a tenant from obtaining crime insurance through the Federal Crime Insurance Program established under the Housing and Urban Development Act of 1970. The rule applies both to things an owner does directly and to acts the owner allows a tenant to perform that would have the same disqualifying effect. The goal of the provision is to preserve each tenant's ability to access federally backed crime insurance coverage.
Plain English — not legal advice.
Under N.J.S.A. 46:8-40, compliant operators of multiple dwellings generally review their own practices and building conditions to ensure nothing they do—or fail to do—would render a tenant ineligible for Federal Crime Insurance Program coverage. This includes being mindful of security-related conditions on the property, since the Federal Crime Insurance Program typically has eligibility requirements tied to physical security measures. Operators also avoid permitting tenant conduct that could similarly jeopardize that eligibility.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
N.J.S.A. 46:8-40 gives tenants in New Jersey multiple dwellings a right to have their landlord refrain from any action or inaction that would block their access to Federal Crime Insurance Program coverage. If a tenant believes a landlord's conduct or neglect is affecting their insurability under that program, general enforcement paths can include raising the violation in a housing proceeding, contacting a local tenant-rights organization, or consulting with an attorney familiar with New Jersey landlord-tenant law. Documenting the specific conditions or actions at issue is a common first step tenants take when exploring these options.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated October 14, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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