HOME INSURANCE

Your home is perhaps your most valuable possession. It's a special heaven and we know how important it is to you and your family. You need the best possible coverage, at a reasonable price, with the flexibilit6y to choose your options. We offer you the best of all possible worlds. We have the expertise to get you back to where you belong in an event of an unfortunate incident. We strive to give you security you need.

Products we have
What kind of home insurance policy do you need to protect your home? That depends on the kind of home you own or plan to own.

• House - Cover your biggest investment with Farmers Homeowners Insurance.
  
• Condominium - Affordable, flexible coverage - Condominium Owners Insurance.
  
• Townhouse - Protect yourself with the Townhouse Protector Plus.
  
• Rental - Cover your valuables with Farmers Renters Package.
  

Your personal Belongings
If the unexpected happens, losing your home contents could be distressing, financially devastating. Your Farmers policies cover your personal belongings, subject to the policy limits and conditions.
There are two distinct ways to insure your personal possessions:
· Replacement cost coverage
This coverage pays you the dollar amount needed to replace personal property without any deduction for depreciation, but is limited to a maximum dollar amount.
· Actual cash value
This coverage pays you an amount equal to the replacement value of damaged property minus depreciation. Unless a Homeowners policy specifies that property is covered for its replacement value, the coverage is for actual cash value.

You and your guests
Nothing is worse than the feeling you get when you are responsible for damage to someone else's property or for someone else's injuries. We can build a homeowners policy that protects you from this financial worry.

This coverage is part of your Homeowners Insurance policy. It protects you and your family against property damage or bodily injury claims for which you are legally responsible. Liability insurance covers you, for example, if someone slips and falls on your property or if your dog bites someone.

Do you need Flood Insurance?
Do you have adequate flood insurance? Flood insurance is affordable, flood damage is not. Find out more about Flood Insurance.

Coverage for your valuables.
How can I make sure there is adequate coverage for my valuables (jewelry, silverware, furs)? Find out more about Coverage for your valuables.