Homeowners Insurance

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Home insurance can help you pay to repair or rebuild your home and replace your belongings after a loss, such as a fire, lightning strike, tornado or even a break-in. It also can help you protect your financial assets if you’re at fault for an injury or property damage.

Renters insurance can help cover the cost of repairing or replacing your property after unexpected events like a leak, fire or burglary. It also can help you protect your financial assets if you’re at fault for an injury or property damage.

Condominium insurance can help pay for loss or damage not covered by your HOA, which could include things like built-in appliances and flooring. It can also help pay for damaged, destroyed or stolen personal property and help you protect your financial assets if you’re at fault for an injury or property damage.

Mobile and manufactured home insurance is generally the same as homeowners insurance but is designed for the risks specific to your factory-built home. It can help you repair and replace your home and personal property if damaged or destroyed in unexpected events.

Earthquake insurance, typically not included in home policies, can help cover the cost of structural repairs, temporary housing and replacing your belongings after an earthquake.

Flood insurance, not included in home policies, can help pay to repair or replace your home and belongings when damaged by floodwater.

Specialty home insurance covers homes with different uses, like vacation homes, vacant homes, or even an older or lower value home. Specialty policies combine property and liability coverages for these types of homes.

Landlord and rental property insurance can help pay costs related to building damage from events like storms and fires, as well as your liability for injuries to tenants and their guests.

When you’re waiting for a home to sell or looking for the right tenant, vacant home insurance helps with the costs of certain kinds of damage, theft and injuries.

Second home insurance helps you protect your vacation home in many of the same ways your homeowners policy does with your primary residence.

Property insurance coverage can vary from state to state. Learn more about Farmers coverages available in your state — or the one you’re moving to. 

Homeowners insurance typically includes personal liability coverage, which can help you protect your financial assets if you’re at fault for an injury or property damage. But it might not be enough to protect the total value of your assets. A separate umbrella policy can provide additional liability coverage, beyond the limits of your home and car insurance.