Farmers Standard Types of Homeowners Insurance Coverage

Your property

Homeowners insurance covers many types of damage to your home and separate structures, like a detached garage. Your policy will cover damage caused by things like wind, fire, and vandalism (subject to exclusions).

Your possessions

  • Your personal property is covered anywhere in the world.
  • Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions).
  • Contents Replacement Cost is included and, subject to loss settlement, pays for the cost of repair or replacement without deduction for depreciation.


Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or household members (on or off premises). This also includes the acts of your pets.






Medical Payments

Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

Covers additional living expenses up to 24 months (depending on the policy type) if a covered loss makes your home unfit to live in.

Optional Coverage

Scheduled Personal Property

Scheduled and unscheduled coverage of important valuables are available for items like art, jewelry, collectibles and more.

Identity Shield

State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.

Contact your Farmers agent or get a Home insurance quote to get started.


This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.