What Does Home Insurance Cover?

Home insurance can protect you in three main ways:

Dwelling Coverage

Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage most homeowners think of first when selecting insurance.

Contents Coverage

Contents coverage is just that — it covers what's inside your home. I'm talkling about everything from furniture and electronics to pots and pans. If these items are lost or destroyed by a covered event, your policy can help pay to replace them.

Liability Coverage

The third component of your home policy is liability coverage. It helps protect you from loss in case you're financially responsible for injury to others or damage to their property. This coverage extends beyond your home and in fact follows you anywhere in the world.

Home insurance options

Farmers Smart Plan Home℠

Smart Plan Home policies can make it easier for you to protect your home exactly how you want. You decide on one of three home insurance packages, and then make it your own with limits and options of your choosing:

• Standard: Gives you affordable coverage with available protection for what matters most to you

• Enhanced: Offers extended limits and replacement cost of your home's contents and roof

• Premier: Provides guaranteed home replacement cost and the highest limits on personal property