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Specialty Homeowners InsuranceDesigned for homes that may not 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
Learn more

Types of Homes our Specialty Homeowners Insurance Covers

We cover seasonal and secondary properties, as well as properties in rural areas. We also accept homes that other carriers won't take due to age, condition, value or other considerations. In certain states, we do not require that your primary residence be insured with us to insure your seasonal or secondary home.

  • Seasonal or Vacation Homes

    Most insurance companies require you to also insure your primary residence with them. Farmers provide options just for your Seasonal or Vacation home.

  • Vacant Homes

    Many companies shy away from insuring vacant homes, but not Farmers. We want to make it easy for you to move, renovate or put your home on the market. We'll also make sure you don't get stuck paying for a longer term once you've sold your house.

  • Landlord/rental properties

    As a landlord you can choose a package that fits your rental property or create your own policy.

  • Older and lower-value homes

    Your home's market-value might be lower than it would cost to rebuild if disaster were to strike. Farmers has non-standard policies for these type of homes.

  • Applicants with credit and/or loss problems

    Your Farmers agent can help you find an insurance solution for you.

For a Specialty Home insurance quote, contact a local Farmers agent today.

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.