Prohibits use of anti-concurrent causation clauses in homeowners insurance policies.

This bill (A1460) prohibits New Jersey homeowners insurance companies from including "anti-concurrent causation" clauses in policies. These clauses currently allow insurers to deny coverage when a covered peril (like fire) occurs alongside an uncovered peril (like flood), even if the covered cause contributed to the damage. The bill makes such clauses void and unenforceable, ensuring homeowners receive coverage for losses caused by insured perils even if other causes were also involved. It applies to all homeowners insurance policies delivered, renewed, or approved in New Jersey 90 days after enactment, directly affecting policyholders and insurers in the state.