For millions of people across the United States, Farmers Home Insurance is one of the most well-known names in the industry. With a wide range of coverage options and a network of agents nationwide, the company is committed to protecting what is often your most valuable asset: your house. Here’s a closer look at what it offers.
Coverage Options
Farmers Home Insurance offers a standard policy, known as an HO-3, designed to protect the property from a wide variety of risks. This policy is divided into several sections to ensure that both your home’s structure and personal belongings are covered. Currently, the insurer offers the following insurance plans:
- Homeowners
- Renters
- Condo
- Mobile & manufactured home
The standard policy includes:
- Dwelling Coverage: provides protection for the physical structure of your home.
- Other Structures Coverage: covers structures not attached to the main house, such as garages, sheds, and pools.
- Personal Property Coverage: protects the items inside your home, including furniture, jewelry, electronics, and other valuables.
- Additional Living Expenses: helps pay for temporary housing, meals, and other costs if your home becomes uninhabitable.
- Personal Liability Coverage: covers legal and medical expenses if someone gets injured on your property.
Farmers also offers a variety of optional add-ons so you can tailor your policy to meet your specific needs, including:
- water or sewer backup coverage;
- flood insurance;
- identity theft protection;
- guaranteed roof replacement;
- deductible reduction for claim-free years.
Key Advantages of Farmers Home Insurance
Beyond its comprehensive coverage options, Farmers Home Insurance provides several other benefits, such as:
- a large network of agents for personalized service;
- fully customizable policies;
- claim-free discounts;
- loyalty perks for long-time customers;
- lower rates for non-smokers.
