Was there a single feature that sold you on your home? Maybe you couldn’t resist stunning city views or an open-plan kitchen with all the upgrades. Perhaps you liked its quiet cul-de-sac location. Or there was plenty of room for your classic cars in a three-car garage with full workshop.
Whatever you love about the place you call home, it’s not the only reason to choose insurance with care. Your home is also a major investment. And a Farmers® agent can help as you select the coverage you want.
Farmers Smart Plan Home policy uses three highly customizable packages as a starting point:
Designed for homeowners who are just starting out, the Standard package balances affordability with features that really matter. This package also makes it easy to choose higher limits for a few unusually valuable items.
Established homeowners tend to want more — the Enhanced package accommodates higher policy limits and includes several extra features like covering the costs to replace your roof and contents without deducting depreciation.
The Premier package comes with the highest limits and coverage on personal property, and can include Guaranteed Replacement Cost coverage for your home if certain requirements are met. When Guaranteed Replacement Coverage applies, Farmers will reimburse 100 percent of the cost of rebuilding after a covered loss on the same premises, regardless of your policy’s limits.
Within each of these packages, you have plenty of flexibility — you can raise or lower limits in virtually every type of coverage, and add or change coverage. Your Farmers agent is able to show you how each change would affect your premium.
*The Premier package isn’t available in California. Please ask your agent about the Farmers Next Generation® package there.
Your Farmers agent can also help you buy coverage for damage from floods and earthquakes (in most states).
Your Farmers home policy comes with benefits that can make coverage more affordable:
You can earn $50 toward your deductible each year the policy remains in force.
Claims Free Discount®
You will receive a discount if you’ve been claim-free with Farmers (or your previous insurer) for three consecutive years.
Your premium doesn’t increase because of a claim if you’ve been claim free with Farmers for five continuous years.
When you file a claim for functional damage, Farmers will cover related cosmetic damage as well.
"We had all the stuff you can't replace in the basement: photos, books, marathon medals," he says. "In 15 minutes, water filled the basement to the ceiling."
We’ve spent 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.
You’ll experience a similar level of care from our knowledgeable claims representatives, who work to assist you as quickly as possible. In the unfortunate event of a large-scale disaster, Farmers may even dispatch a Catastrophe Response Team in a Mobile Claims Center bus to process claims on-site in real time.
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