Types of Homeowner insurance coverage

Whether you own a house or condo, or you rent, your Farmers agent has home insurance coverage to protect you, your home, and your belongings.

Please contact your Farmers agent for more information.

For Your Home

What kind of insurance policy do I need to protect my home? That depends on whether you are renting, or buying a house, condo, or townhouse?
How can I make my home safer and possibly save money?
Do I need mortgage protection insurance?
How much would it cost to rebuild my home at today's prices?

For Your Personal Belongings

What would it cost to replace the contents or personal belongings of my home?
Is there coverage to repair and/or replace the appliances in my home?
Do I need to take an inventory and photographs of my belongings?
How do I protect my identity?

For You and Your Guests

What kind of protection do I need against liability claims?
Will my guest's medical expenses be covered if they're accidentally injured on my property?

For Your Additional Coverages

Do I need Earthquake insurance?
Should I get Flood insurance?
Do I need Personal Liability Umbrella coverage?
How can I make sure there is adequate coverage for my valuables (jewelry, silverware, furs)?
How much should my deductible be?
Will I be reimbursed for additional living expenses if I cannot live in my home due to a covered loss?

 

Find answers to common home owner insurance questions below

Does my home owner insurance cover against losses due to fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism and theft?

Yes. Typically, your homeowners insurance covers a large number of perils, including all those listed. There are some limits, however, on the amount of insurance you have so you should always consult with your local Farmers agent.

A pipe bursts and water flows all over my floors. Am I covered?

Yes. Typically, homeowners insurance covers you for accidental discharge of water from a plumbing system. Check your plumbing and heating systems once a year. While you are covered for this type of damage, who needs the mess and hassle?

A neighbor slips on my sidewalk and threatens to take me to court for damages. Does my homeowners policy protect me?

Yes. Homeowners insurance will pay for damages, if the accident is the result of your negligence. It will also pay for the legal costs of defending you against a claim. Also, the medical payments part of your homeowners policy will cover medical expenses arising from an injury to a neighbor or guest. Your local Farmers agent can periodically review your policy limits to help ensure you have adequate coverage.

Is my jewelry covered by my homeowners policy?

On a homeowners policy, there is limited, standard coverage available for your jewelry. In most cases, you will need to purchase a Personal Articles Floater, which extends protection for your jewelry when its value is higher than the limits stated in your homeowners policy. Your local Farmers agent can help determine if you need to purchase Floater coverage.