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At Farmers, 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 competitive price. A Farmers Homeowners Insurance policy provides the following coverages:

Property
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.

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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 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, the acts of your pets, unintentional acts by you or a qualified family member. Also, this coverage pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.

Loss of Use
If you can't live in your house after a covered loss, we cover your additional cost of living, such as hotels and meals while repairs are made, for up to one year.

Optional Coverages
These coverages are not part of your homeowners policy. They can be added to provide coverage above what your homeowners policy typically provides.

Personal Articles Floater
There is limited coverage available for your valuables. In most cases, you will need to purchase Personal Articles Floaters, which extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy.

Mortgage Protection
Mortgage protection ensures that your family will enjoy your home for as long as they need it. You can cover your family by using one or a combination of several different types of Life insurance programs. A decreasing term mortgage Protection policy is designed to track the remaining balance of your mortgage. It's intended to pay off a mortgage upon your death.