Property Insurance
You could save an average of $745* by bundling your home and auto insurance. If you already have one policy with Farmers®, see how much you could save by bundling more.
Insuring your investment — whether it’s a single-family home, a condo or your belongings in a rental — shouldn’t be a chore or financial burden. Bundling your home and car insurance with Farmers can help you save money and time — and help you avoid accidental gaps in coverage. Discounts can really add up when your premiums total thousands of dollars per year. You could save up to 10% on select policies.
Types of Property Insurance
Homeowners Insurance
Home insurance can help you pay to repair or rebuild your home and replace your belongings after a loss, such as a fire, lightning strike, tornado or even a break-in. It also can help you protect your financial assets if you’re at fault for an injury or property damage.
Renters insurance
Renters insurance can help cover the cost of repairing or replacing your property after unexpected events like a leak, fire or burglary. It also can help you protect your financial assets if you’re at fault for an injury or property damage.
Condo insurance
Condominium insurance can help pay for loss or damage not covered by your HOA, which could include things like built-in appliances and flooring. It can also help pay for damaged, destroyed or stolen personal property and help you protect your financial assets if you’re at fault for an injury or property damage.
Mobile & manufactured home insurance
Mobile and manufactured home insurance is generally the same as homeowners insurance but is designed for the risks specific to your factory-built home. It can help you repair and replace your home and personal property if damaged or destroyed in unexpected events.
Earthquake insurance
Earthquake insurance, typically not included in home policies, can help cover the cost of structural repairs, temporary housing and replacing your belongings after an earthquake.
Flood insurance
Flood insurance, not included in home policies, can help pay to repair or replace your home and belongings when damaged by floodwater.
Specialty home insurance
Specialty home insurance covers homes with different uses, like vacation homes, vacant homes, or even an older or lower value home. Specialty policies combine property and liability coverages for these types of homes.
Landlord insurance
Landlord and rental property insurance can help pay costs related to building damage from events like storms and fires, as well as your liability for injuries to tenants and their guests.
Vacant home insurance
When you’re waiting for a home to sell or looking for the right tenant, vacant home insurance helps with the costs of certain kinds of damage, theft and injuries.
Second home insurance
Second home insurance helps you protect your vacation home in many of the same ways your homeowners policy does with your primary residence.
Home insurance coverage by state
Property insurance coverage can vary from state to state. Learn more about Farmers coverages available in your state — or the one you’re moving to.
Umbrella insurance
Homeowners insurance typically includes personal liability coverage, which can help you protect your financial assets if you’re at fault for an injury or property damage. But it might not be enough to protect the total value of your assets. A separate umbrella policy can provide additional liability coverage, beyond the limits of your home and car insurance.
Discounts
Farmers offers dozens of discounts to help you rack up savings. New home? There’s a discount for that. Security system discount? Check. And, yes, layering multiple discounts is OK.
Related articles
One of the most cost-efficient things you can do is combine all your policies with the same insurer. In addition to home insurance, Farmers® offers auto, life, business, recreational vehicle, boat, RV and umbrella coverage.
An umbrella insurance policy can provide extra liability coverage over the limits provided by your home or auto policy. At Farmers, we offer from $1 million to $10 million in umbrella liability coverage.
Your personal property includes everything inside the home that is not permanently installed. Clothing, furniture, electronics and miscellaneous household items are considered personal property. Appliances and fixtures attached to utilities are not.
The amount of coverage you should consider getting depends on the combined value of all your personal possessions.
*Based on average nationwide annual savings of new customers surveyed, excluding HI, SC & Farmers GroupSelect℠, from 7/1/22 to 7/1/23 who switched their Auto insurance policy to a Farmers® branded policy, responded to the survey, and realized savings. Potential savings vary by customer and may vary by state and product.