- Your property - In the event of a loss, your home and other
structures like a detached garage can be rebuilt or repaired.
- Your possessions - Consider the value of your furniture, clothing,
appliances, electronics and other valuables.
- Your assets - Since you own a home and want to protect your
assets, also consider coverage against liability claims.
Homeowners Coverage Considerations
Farmers Homeowners insurance allows you to select the coverage you want for the things you value most.
Tour our Clickable House - Explore room by room to learn about Home insurance coverage.
Things to think about when selecting Homeowners coverage:
- The value of your property
What would it take to rebuild your home at today's prices? Make sure you have enough Homeowners insurance to make adequate repairs if disaster did strike.
- Unique or valuable items
Do you have fine art, jewelry or coins that require additional coverage? Consider adding a floater to your policy if you have valuable or unique items.
- The value of your
Could you potentially leave yourself financially exposed if you are sued because of an accident? Ideally, your Liability insurance coverage should be enough to protect the value of your assets.
- The value of your personal property
You likely don't know how much your personal possessions are really worth until you do a complete home inventory. Make sure you have enough coverage to replace your property in the event of a total loss.