Farmers Specialty Insurance is designed for homes that don't qualify for "standard" or "preferred" homeowners coverage, such as:

• Seasonal/Vacation Homes
• Vacant Homes
• Older and lower-value homes
• Landlord/rental properties
• Applicants with credit and/or loss problems
• And more!

What to Look For in a Specialty Insurance Policy for Homeowners

For the most security, here are some things to take into consideration when choosing a specialty homeowners insurance policy:

• Security and peace of mind. Look for companies that have experience with the kind of insurance you want. How long have they been in business? A company with a long, solid history will provide you with both expertise and stability.
• Coverage Essentials. Does the company you're considering offer a broad range of coverage for your home and other structures? Comprehensive coverage is one of the broadest kind of coverages you can buy. That means you'll be insured against direct physical losses not specifically excluded in your policy.
• Additional Coverages. A good company will recognize your special circumstances and work to offer the kinds of coverages you want. They'll offer additional options you can pick from, like coverage for jewelry, watches and furs, business property and liability, and replacement cost coverage for your personal property.
• Choice of Payment Plans and Deductibles. Flexibility means choices. Having your pick from several deductible levels will allow you, if you desire, to lower your insurance cost by selecting a higher deductible. A choice in payment plans is important because everyone budgets their money differently. Some prefer to pay all at once and be done with it. Others like splitting up the payments over time. Whatever your preference, having the option to choose is what counts.
• Doing Business With Your Insurance Company
  When you have a loss, it's an inconvenience, so you want to be taken care of quickly and efficiently by adjusters who are courteous, helpful and knowledgeable. Representatives at HelpPoint Claims Services by Farmers are there to help guide you through the claims process.