Home Insurance

Protect your home with Guaranteed Replacement Cost

With Guaranteed Replacement Cost, Farmers will pay the full cost to rebuild your home, no matter how much.

Design Your Policy

We’ll help you design your policy to cover your primary residence, vacation homes, vacant homes and your rental properties.

Core Coverage

Dwelling

Dwelling coverage helps you pay for repairs or rebuilding your home if it’s damaged or destroyed.

Personal property

Personal property coverage helps you pay the costs of fixing or replacing your belongings if they’re damaged.

Liability

Liability coverage helps you protect your financial assets if you’re at fault for an injury or property damage.

Additional living expenses

Additional living expenses coverage helps you pay for rent, food and other increased costs if you have to live somewhere else while your home is being repaired.

Choose Your Perks

Guaranteed Replacement Cost

Purchase this perk and we'll pay the full cost to rebuild your home, no matter how much.

Declining Deductibles

Earn $50 toward your Home deductible each year your home policy remains in force.

Home Multi-Policy Discount

You could save up to 34% on your Farmers Home insurance when you purchase multiple policies (like Auto, Umbrella, Life, Business and Specialty) with Farmers and Foremost.

Claim Forgiveness

We won't raise your premium because of a claim, once you've gone claim-free with Farmers for five years.

Claim Free Discount

You will receive a discount on your Home insurance if you’ve been claim-free for three years.

Home Insurance Covers

A standard homeowners insurance policy covers damage to your home and your property caused by various perils covered by the policy. Typical home insurance policies cover damage caused by:

Helpful Resources