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

This bill (A 3902) prohibits New Jersey homeowners insurance companies from including "anti-concurrent causation" clauses in policies. These clauses currently allow insurers to deny coverage for damage caused by a mix of covered (e.g., wind) and uncovered (e.g., flood) perils, such as during hurricanes. The law makes any such clause void and unenforceable, requiring insurers to cover damage even if multiple causes are involved. It directly affects homeowners in New Jersey by preventing claim denials tied to these clauses, particularly for weather-related damage. The bill applies to all policies delivered, renewed, or approved after its effective date (90 days post-enactment).