Why Farmers Home Insurance is a Smart Choice

Farmers Condominium insurance allows you to select the coverage you want for the things you value most, like:

• Your condo – You’re covered for accidental damage to improvements you make in your unit that your association’s policy does not cover, up to your condo insurance policy limits.
• Your possessions – Insurance covers your personal belongings too, up to your policy limits.
• Your assets – Condo insurance can help protect your assets from liability claims if you are sued.

Here are some questions to ask yourself when considering coverage: 

• How much would I need to cover my financial investment if disaster did strike?
• What would it cost to replace my personal belongings in my home?
• If someone threaten to take me to court, would my assets be covered?

While most mobile home policies only cover your home for certain specified perils, Farmers policies cover most perils and offer options to customize your coverage.

Mobile and manufactured homes are different than other homes, and Farmers understands that mobile home owners have different coverage requirements too.

That’s why Farmers Mobile and Manufactured Home insurance provides specialized coverage, designed specifically for the mobile home owner, that:

• Covers most direct, sudden, and accidental incidents unless excluded in the policy.
• Includes liability coverage for you if you’re legally responsible for an accident.

If you rent your property, Farmers offers insurance that meets real-world expectations. We specialize in helping landlords like you get the coverage you want at a good value.

Do you rent out residential property you own? Maybe it’s an investment, or maybe it’s a core source of income. Either way, you should consider protecting your property and your interests as a landlord.

The following are eligible for Landlord / Rental Property coverage:

• Landlords with multiple properties
• Single, duplexes, triplexes, and quads
• Row homes
• Older and lower-value homes
• Homes with minimal cosmetic conditions
• Properties under minor renovation
• Vacation rental homes
• Short term rentals (daily, weekly, monthly)

Homes can become vacant for many reasons. Maybe you moved out but haven’t sold the property yet, or maybe it’s under renovation. Whatever the cause, Farmers understands and has coverage options for you.

Finding insurance for your vacant home can be challenging, mostly because a typical homeowners policy probably won’t cover the property after it’s vacated.

The Farmers Vacant Home Program though, offers specialized coverage developed for the unique insurance situation of vacant homes and their owners.

How is Vacant Home insurance different from typical homeowners insurance?

Since no one lives there, vacant homes tend to pose more risks than occupied ones. Acts of vandalism, liability, and fire, for instance, are potentially serious issues with a vacant home. Intruders might get hurt on broken floor boards or old fencing, and file a claim or sue. Some typical homeowners policies won’t cover these types of risks on a vacant property, but vacant home insurance is an option for you.

Vacation homes can be amazing getaways from the hustle bustle of everyday life, but a vacation property isn’t your primary residence, so why insure it like it is?

Seasonal and Vacation Property insurance from Farmers provides coverage for accidental damage, liability, and loss, as provided in the policy.

For your convenience, you can choose a prepackaged policy or customize a policy to meet your specific situation. We don’t even require that you insure your primary residence with us in order to cover your seasonal or vacation secondary property.