What do I need to know about Homeowners insurance? Types of Homeowner insurance coverage Whether you own a house or condo, or you rent, your Farmers agent has home insurance coverage to protect you, your home, and your belongings. Please contact your Farmers agent for more information. For Your Home What kind of insurance policy do I need to protect my home? That depends on whether you are renting, or buying a house, condo, or townhouse? How can I make my home safer and possibly save money? Do I need mortgage protection insurance? How much would it cost to rebuild my home at today's prices? For Your Personal Belongings What would it cost to replace the contents or personal belongings of my home? Is there coverage to repair and/or replace the appliances in my home? Do I need to take an inventory and photographs of my belongings? How do I protect my identity? For You and Your Guests What kind of protection do I need against liability claims? Will my guest's medical expenses be covered if they're accidentally injured on my property? For Your Additional Coverages Do I need Earthquake insurance? Should I get Flood insurance? Do I need Personal Liability Umbrella coverage? How can I make sure there is adequate coverage for my valuables (jewelry, silverware, furs)? How much should my deductible be? Will I be reimbursed for additional living expenses if I cannot live in my home due to a covered loss?