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Your home is probably your biggest financial investment.  Before you find yourself in an emergency, talk to us and make sure there are no gaps or overlaps in your coverage.  Whether you own or rent a house, condominium, townhouse, mobile home or apartment, we will help you choose the coverage you need. That is why we will ask you for specific information about your house.  With that information we can prepare an estimate of the cost of rebuilding your home, complete with it's special features, in the event it is damaged or totally destroyed.

Our policies offer dwelling and personal property coverage for loss due to perils including fire, wind, hail, sudden and accidental discharge of water, theft, lightning, smoke, vandalism, and explosion.

Home Insurance Coverage includes dwelling and personal property, personal liability and medical payments, and additional living expenses.

Coverage is designed to rebuild your home based on the replacement cost.  We can tailor a package to meet your needs.

Factors that will determine the cost of rebuilding your home:

  • Local construction costs
  • The square footage of the structure
  • The type of exterior wall construction, masonry (brick or stone) or veneer
  • The style of the house
  • The number of bathrooms and other rooms in the house
  • The type and age of roof and materials used
  • Other structures on the premises such as garages, sheds
  • Fireplaces, exterior trim and other special features like arched windows
  • Whether the house, or parts of it like the kitchen, was custom built
  • Improvement to your home adding an additional bathroom, updating the kitchen or other additions that have added value to your home


 

Separate structures
Separate structures are a percentage of your home. They include items on your property, other than the house,  such as the detached garage, fence, deck, and storage building.

Your Possessions
Coverage is based on a percentage of the limit of insurance you choose for your home. Property is covered anywhere in the world limited to 10% of your contents coverage. Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions). Replacement Cost  pays for the cost of repair or to replace the items without deduction for depreciation.

Personal Property Floater
A home policy provides limited coverage for items such as jewelry, furs, and collectibles.  You may need additional coverage for specific items. A Personal Property Floater offers coverage based on a current appraisal by a qualified appraiser. The items are identified and valued by the appraiser and coverage is available based on an additional cost per $100 value of the item. This allows the items to be replaced if lost or stolen.

Liability
Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets. Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments
Pays medical costs for people injured at your residence (other than residents of your
household), regardless of liability.

Additional Living Expenses
Covers additional living expenses up to 24 months (depending on the policy type) if a covered
loss makes your home unfit to live in.

Coverage is based on a percentage of the limit of insurance you choose for your home.
Includes loss of rental income for up to 12 months if a covered loss makes a portion of the
home that is rented to others unfit to live in.

Condominium Insurance Coverage
Our Condominium policy offers excellent protection for the interior of your dwelling and can be tailored to meet your specific insurance needs. It provides coverage for damage to improvements, alterations or additions you make in your unit, and also provides coverage for your household contents and personal belongings, up to the policy limits. Coverage is on a named-peril basis, which means that only losses resulting from causes listed in the policy are covered (subject to exclusions).

Renters Insurance Coverage
We realize that your belongings are just as important as a homeowner's belongings. Our renters policy provides coverage for your household contents and personal belongings. Furthermore, in the event someone is injured at your place, our renters policy provides personal liability coverage. Additional coverage includes Medical Payments which pays medical costs for people, other than residents of your household, injured at your residence and Additional Living Expenses that covers expenses if a covered loss makes your living quarters uninhabitable.

Mobile & Manufactured Home Insurance
You can rest assured that our Mobile or Manufactured Home insurance policy gets you access to the nation's most experienced team of mobile home professionals. Your policy should cover a wide range of possible damages or causes of loss. Liability coverage is an important part of your insurance package. It covers you if you're found legally responsible for an accident that causes injury or property damage to someone who doesn't live in your home. It covers costs such as medical bills, lost wages, and property damage, as well as legal counsel for you if you are sued.

Flood Insurance
It only takes a few inches of water, and your home could need major repairs. Homeowner's policies don't cover flooding, which involves rising water in your home. The National Flood Insurance Program provides flood insurance at a reasonable cost.  To find out more on the facts of flood insurance, give us a call. But don't delay, there is usually a 30-day waiting period before the coverage goes into effect. Plan ahead so you're not caught without flood insurance when a flood threatens your home or business.

Identity Shield
In the unfortunate event that your good name falls into bad hands, having Farmers Identity Shield offers a solution to what may become a high-priority problem. Give us a call to find out more about this attractive industry-leading coverage.

Personal Umbrella Liability Coverage
An umbrella, exactly what it says, shelters you above and beyond the standard limits of other liability coverages. If liability damages are in excess of what your homeowners or auto policy provides, an Umbrella provides an extra layer of liability protection. An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy, mobile home, boaters, motorcycle, etc. Coverage is available in $1,000,000 increments.


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