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HOME INSURANCE - for House
We understand that your home is perhaps your most valuable possession. That's why we work hard to provide you the best coverage, tailored to your needs, at a reasonable price. Typically, a Farmers Homeowners Insurance policy provides the following coverages. If you have any questions, please contact us.
Property Coverage
With your Farmers Homeowners coverage, your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in your policy, such as wear and tear, flood, nuclear hazards and earthquakes.
Personal Property
Your policy covers your on-premises personal property, subject to the policy provisions. Your personal property is protected anywhere in the world - if your clothes are stolen while on vacation, you're covered.
Personal Property Damages
Typically, your personal property is covered for damages resulting from the following:
- Fire, lightning, Windstorm or hail
- Explosions
- Riots or civil commotion
- Falling objects
- Aircraft and vehicles
- Sudden or accidental smoke damage
- Vandalism or malicious mischief
- Theft
- Sudden and accidental discharge of water or steam from plumbing system or appliances
- Sudden and accidental damage from artificially generated electrical current
- Sudden and accidental bulging, cracking, rupture or burning of steam or hot water heating systems and water heaters
- Building collapses
Personal Liability
Your coverage pays for bodily injuries to other people or damage to their property if you are liable, when the damage is caused by the following:
- Use of your premise, including swimming pools
- Other residential property you use as rental, if you choose to add it.
- The acts of your pets
- Unintentional acts by you or a qualified family member - on or off your premises
Also, this coverage pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.
The Protector Plus
The farmers Homeowners insurance is tailored to meet the needs of most houses. But for higher limits on certail personal properties such as securities, manuscripts, watercraft, stamps and trailers - go for The Protector Plus Homeowner Package.
Optional coverages
Discounts
Check if you qualify for the discounts
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