How do you define dream house? You might’ve chosen a Spanish-style hacienda on your favorite golf course, a center-hall colonial in a great school district, or a perfectly restored mid-century modern. Your home is a major investment, but — more than that — it’s where you raise a family, entertain friends and create lifelong memories.
Homeowner’s Insurance
Property Insurance
Homeowner Insurance
Your home is often one of your largest investments. Make sure you're covered for the unexpected. Homeowners insurance covers more than just the house itself. The right coverage can help you replace items that you couldn't easily afford to replace otherwise.
Condo/Co-Op Insurance
While your condo association or co-op corporation has insurance on some things, this insurance doesn't cover your personal items or interior of your unit. Make sure you're covered and see how much you could save
Mobile Home Insurance
You've worked hard to buy your home and the things you own, so make sure they're protected. Get affordable mobile home coverage with a personalized policy.
Renter's Insurance
Did you know that when you rent your home, your belongings aren't covered by your landlord's policy? A renters insurance policy is an affordable way to ensure the things you work so hard for are protected.
Earthquake Insurance
Whether you're required to purchase earthquake insurance or looking for more protection, We can help you with a earthquake insurance policy
Landlord Protection Insurance
Whether you own multiple rental properties or need to sublet your home for a year, a landlord insurance policy will help you rent your property with confidence.
Whether you live in the perfect starter house, a custom-built dream home or something in between, one thing is true: You want to protect the life you’ve made there.
Within each of these packages, you have tremendous flexibility — you can raise or lower limits in virtually every type of coverage, and add or change coverage.
Standard
Designed for homeowners who are just starting out, the Standard package balances affordability with features that really matter. This package also makes it easy to choose higher limits for a few unusually valuable items.
Enhanced
Established homeowners tend to want more — the Enhanced package accommodates higher policy limits and includes several extra features like covering the costs to replace your roof and contents without deducting depreciation.
Premier
The Premier *package comes with the highest limits and coverage on personal property, and can include Guaranteed Replacement Cost coverage for your home if certain requirements are met. When Guaranteed Replacement Coverage applies, Farmers will reimburse 100% of the cost of rebuilding after a covered loss on the same premises, regardless of your policy’s limits.
There’s a fire in your kitchen
Risk:
You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.
Coverage:
Property coverage in your policy can help if your house is damaged by fire and/or smoke.
Thieves strike while you are away
Risk:
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.
Coverage:
If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.
A visitor is injured
Risk:
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn — fracturing his wrist when he falls against a stone retaining wall.
Coverage:
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.
A tornado hits
Risk:
You heard the warning sirens and escaped uninjured, but you can’t live in your house while tornado damage is repaired.
Coverage:
Coverage for additional living expenses can help with the extra cost of temporary relocation caused by a covered event.
Your jewelry is stolen
Risk:
You mastered the basics of surfing during lessons in Hawaii — but your wedding ring is stolen.
Coverage:
With personal possessions coverage, lost jewelry is covered up to your policy limits.
You lose your passport
Risk:
While on vacation in Europe, you lose the tote bag that has everyone’s passports.
Coverage:
Your homeowners policy can help with the cost of replacing passports and other valuable papers.
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