Protect your home, Protect your belongings, and Protect the assets you’ve worked so hard for!

• Dwellings and other structures - For most of us, our home is the single, largest investment we will make. Homeowners insurance provides coverages for damage to your home and other structures on your property such as a shed or detached garage.

• Personal Property - Homeowners insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot but those items all add up.

• Personal Liability - Finally, in the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. The homeowners policy provides personal liability coverage to financially protect you should this ever occur.



Enjoy the benefits of Homeowner’s insurance even if you RENT or own a CONDOMINIUM/TOWNHOME.  If you rent or own a condominium, you still need coverage for your household contents, personal belongings and personal liability. There are specific policies designed for those who rent or own condominiums. For more information:  Renters Insurance  Condominium/Townhomes

What do I need to know about Homeowners insurance?

Your Home - With your Farmers Homeowners coverage, your house and separate structures on the premises (sheds, detached garages, etc.) are covered for almost any type of damage except for a few exclusions listed in your policy. 

Additional Living Expense - If your home is damaged and becomes uninhabitable, you may need to temporarily live somewhere else while your home is being repaired. Your Farmers Homeowners policy will pay you for increases in living expenses (housing, food, etc.) you incur while your home is being repaired as a result of a covered loss.

Personal Property - Your policy covers your on-premises personal property (household contents, personal belongings, etc), subject to the policy provisions. Your personal property is also protected anywhere in the world, for example, if your clothes are stolen while on vacation, you're covered. But there are special policy limits for your jewelry, watches, furs, silverware, firearms, computers and rugs or carpets made outside the U.S. For a complete list, please check with your Farmers agent.

Personal Liability and Medical Payments - Your Farmers Homeowners policy pays for bodily injury to other people, for which you are legally responsible, that result from unintentional acts by you or a qualified family member. The policy also provides coverage for damage to of others, again, if you are legally liable. With some exceptions this coverage applies anywhere in the world. 

This coverage also pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.

Identity Theft - With our new Next Generation Homeowners Policy through Mid Century Insurance, Homeowners can now have up to $30,000 in fraud protection coverage included at no additional cost!  Learn more at Protect Your Identity.

Optional Coverage There are many other optional coverages that are not part of your homeowners policy. They can be added to provide coverage above what your homeowners policy typically provides.

Some examples are: 

      • Mortgage Protection Insurance 
      • Scheduled Personal Property (jewelry, silverware, fine arts,
         etc.) 
      • Personal Umbrella Coverage 
      • Flood Insurance 
      • Earthquake Insurance

How to get the lowest rates on home insurance

Homeowners who guard against theft, accidents and other losses can often get lower insurance rates. Here are some things you can do to help qualify for lower premiums: 

      • Secure your home with dead bolts and window locks. 
      • Install a security system with outside signal and 
         connection to local police. 
      • Install and maintain smoke detectors. 
      • Install a sprinkler system for fire. 
      • Install a fire alarm that automatically alerts the local fire 
         department. 
      • Stop smoking. 
      • Keep walks and entrance ways clear of snow and ice.

You may also receive discounts on premiums when you buy both Homeowners and Auto insurance. Please contact Amy Alvis at (925) 301-7195 or amyalvisfarmers@aol.com to discuss these and other money savings options.

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