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Typical Homeowners Insurance Coverage

With your Homeowners coverage, your house and separate structures on the premises (sheds, detached garages, etc.) are covered for almost any type of damage except for a few exclusions listed in your policy.

Find out more about home rebuilding costs.  Make your home safer and possibly save money on insurance costs.

Additional Living Expense

If your home is damaged and becomes uninhabitable, you may need to temporarily live somewhere else while your home is being repaired. Your Homeowners policy will pay you for increases in living expenses (housing, food, etc.) you incur while your home is being repaired as a result of a covered loss.

Personal Property

Your policy covers your on-premises personal property (household contents, personal belongings, etc), subject to the policy provisions. Your personal property is also protected anywhere in the world, for example,  if your clothes are stolen while on vacation, you’re covered. But there are special policy limits for your jewelry, watches, furs, silverware, firearms, computers and rugs or carpets made outside the U.S. For a complete list, please check with your real estate agent

Typically, your personal property is covered for damages resulting from the following:

  • Fire of lightning
  • Windstorm or hail
  • Explosions
  • Riots or civil commotion
  • Falling objects
  • Aircraft and vehicles
  • Sudden or accidental smoke damage
  • Vandalism or malicious mischief
  • Theft
  • Sudden and accidental discharge of water or steam from plumbing system or appliances
  • Building collapses
  • Personal Liability

Find out more about replacing the contents and personal belongings of your home.   Our inventory checklist will help you identify all your possessions in the event that they become damaged or are stolen.



Personal Liability and Medical Payments
Your Farmers Homeowners policy pays for bodily injury to other people, for which you are legally responsible, that result from unintentional acts by you or a qualified family member.  The policy also provides coverage for damage to of others, again, if you are legally liable.  With some exceptions this coverage applies anywhere in the world.  Find out more about liability coverage.

This coverage also pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.

Optional Coverage

There are many other optional coverages that are not part of your homeowners policy. They can be added to provide coverage above what your homeowners policy typically provides.  Some examples are:

  • Mortgage Protection Insurance
  • Identity Fraud Expense Coverage
  • Scheduled Personal Property  (jewelry, silverware, fine arts, etc.)
  • Personal Umbrella Coverage
  • Flood Insurance
  • Earthquake Insurance
  • antique car insurance coverage


Why do I need Homeowners Insurance?

Why do I need Renters Insurance?

Why do I need Condominium /Townhouse Insurance?

Sample Home Insurance Coverage

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