Before you get in too deep, get a Farmers Smart Plan Home® policy.

Farmers Smart Plan Home® Coverage Packages

Selecting home insurance that fits your life shouldn't be complicated. That's why Farmers® offers the choice of three highly customizable packages for a wide range of coverage options and greater pricing flexibility.

In addition to quality coverage that you can fine-tune to your needs, each package offers straightforward solutions that can help with some of your unexpected moments.

No matter your stage of life, Farmers makes it easier for you to select and customize an insurance policy the way you want.

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Standard: Coverage at an affordable premium.

Our most affordable Farmers Smart Plan Home® package – perfect for those who are just starting out – includes coverage levels you can customize to add protection for things that matter most to you.

Enhanced: Coverage at a great value.

Designed with the established homeowner in mind, this Farmers Smart Plan Home® package is the standard for those looking for desirable home coverage at a competitive market rate.

It not only offers a host of available extended limits, but can also help to pay the cost to replace your roof or contents without depreciation – you can replace your covered items with brand-new ones. Talk to an agent to learn more.

Premier: Highest levels of coverage.

If you're looking for superb coverage for an array of assets, look no further. This Farmers Smart Plan Home® package provides the highest limits on personal property and includes Guaranteed Replacement Cost coverage for your home.

Claim Forgiveness
Claim Free Discount

Additional Living  

Replacement Cost

Personal Property 40% 55% 75%

Farmers Smart Plan Home® — One plan, three packages, and plenty of straightforward solutions.

Each Farmers Smart Plan Home package offers you the ability to customize with various straightforward solutions:

Claim Forgiveness

Available with every Farmers Smart Plan Home® policy.

We know that bad things happen, even to good homeowners. That's why if you've been claim free with Farmers with your current Farmers® policy for 5 or more full years your next claim will be truly forgiven. That means your premium won't go up due to the claim, and you'll even keep your Claim Free Discount.

Claim Free Discount

Available with every Farmers Smart Plan Home® policy.

As a responsible homeowner, you deserve a reward for holding down the fort. And with a Claim Free Discount from Farmers®, you now have one. After 3 consecutive claim-free years with Farmers (or your previous insurance company), you'll receive a 10-percent discount on your home premium.

Even if you're new to Farmers, we'll apply your previous claim-free years with another insurer to your new Farmers policy. After all, you earned it.

Declining Deductibles®

Available with every Farmers Smart Plan Home® policy.

The only thing worse than home damage is having to pay a large sum out of pocket to repair it. With Declining Deductibles – exclusive to Farmers® – you'll earn $50 toward your deductible with each renewal.

And if your credit is larger than your policy's deductible, you can use the balance to apply to future claims. Even better, this straightforward solution sticks with you when you transfer your policy to a new house.

Guaranteed Replacement Cost

Available with Farmers Smart Plan Home®.

Your home is more than a significant financial investment – it's also a place you and your loved ones want to feel secure. That's why making sure you have the coverage you want – for even the unthinkable – is crucial.

The costs of labor and material costs may inflate after a catastrophe. But with Guaranteed Replacement Cost, your home can be fully rebuilt, with no deductions for depreciation, or maximum limits.

Get started with your customized coverage now.

Contact your Farmers® agent today to learn how the straightforward solutions of a Farmers Smart Plan Home® policy can benefit you.

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Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Civic Property and Casualty Company, Exact Property and Casualty Company, Neighborhood Property and Casualty Company, and their affiliates. In Texas, insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Texas County Mutual Insurance Company, Mid‑Century Insurance Company of Texas, and Texas Farmers Insurance Company. In New York, insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, Mid‑Century Insurance Company, and Farmers New Century Insurance Company, home office Los Angeles, California. Each insurer has sole financial responsibility for its own insurance products. Visit for a complete list of companies. Not all insurers are authorized to provide insurance in all states. Not all products,features, coverages, and discounts are available in every state. Restrictions, exclusions, limits, and conditions apply. Optional features are subject to qualifications, terms, conditions, and availability. See agent for details.