Specialty Homeowners Insurance

Maybe you have a cabin in the mountains, a lake house or a beach cottage. Whether used as a weekend getaway or a seasonal retreat, it’s a special place you want to protect. And a Farmers® agent can talk to you about a variety of coverage options.

Seasonal and Vacation Homes

To cover your seasonal or vacation home, most insurance companies also require you to insure your primary residence with them. Farmers can provide you with coverage options for your seasonal or vacation property regardless of your primary home insurer.

Vacant Homes

Having a vacant property can be exhausting, stressful, and challenging. That’s why many companies shy away from insuring vacant homes, but Farmers is here to help. We want to make it easy for you to insure your vacant home.

Landlord or Rental Properties

As a landlord, with Farmers you can choose a landlord or rental property package that you think is a good option for you. You can also customize your policy with extra options to suit your unique situation and help you protect your investment.

Older and Lower-Value Homes

Your home's market value might be lower than it would cost to rebuild it, if disaster were to strike. Many insurance companies hesitate to cover older or lower-valued properties, but we’ve created specialty policies specifically for these types of homes, and we’re ready to help cover your property where others won’t.

Applicants with credit problems and/or prior claims

If you’re an applicant with credit issues or previous claims, your Farmers agent can offer you various coverage options.

Maximize value with multiline discounts

You can get the most value from Farmers coverage with discounts when you buy multiple policies — be sure your specialty homeowners insurance quote includes quotes for auto coverage.

 

How I Started as a Rental Property Investor

Ever dream of creating a passive income stream by becoming a landlord? This rental property pro explains how it’s done.

Farmers works to build strong customer relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready for a specialty home insurance quote. Whatever insurance you want, Farmers agents are ready to deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn more about what Farmers can do for you, contact an agent today.

Francis Barra lived in Far Rockaway, New York, when Hurricane Sandy struck.

"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." 

Read the story: Genius Ideas for Disaster-Proofing Heirloom and Mementos in Your Home

Specialty Home insurance issued by an insurer in the Foremost Insurance Group, 5600 Beech Tree Lane, Caledonia, MI 49316. Contact a Farmers agent for more information.

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.