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Home Sweet Homeowners Insurance

Overview

  • Where The Heart Is

    Home is where the heart is. Home is where you hang your hat, and home is the one place you can truly be yourself. It’s full of memories you cherish, belongings you’ve chosen and people you love. Home insurance and property insurance protects your heart, your hat and your home.

  • All Shapes and Sizes

    Homes come in all shapes and sizes. Whether you own a single-family home, townhome, duplex or four-plex, we can help you protect it. We also offer renters insurance and coverage for mobile homes and condominiums.

  • Air Conditioners, Water Heaters and More

    Home systems – furnace, air conditioner, hot water heater and other appliances – tend to break down at the most inconvenient times. Our Residential Equipment Breakdown Coverage can protect you from the high cost of replacement for these systems as well as home electronic systems such as stereos, televisions and computers.

Coverage

Farm Bureau agent will work with you to determine the home insurance coverage that best fits your needs and budget. Your agent can help you customize your coverage to fit your specific needs.

  • Replacement Cost Coverage

    Pays the full amount to repair or replace the damaged area of your home, without regard to depreciation.

  • Guaranteed Replacement Cost Coverage

    Pays repair and replacement costs up to 125% of the insured value of your home. This coverage helps when a storm does widespread damage and pushes the cost of labor and materials above the amount it would normally cost to replace your home.

  • Actual Cash Value Coverage

    Reimburses you for covered losses to your home up to the current value – the age, condition and worth of your home are taken into account when settling losses.

Additional coverage you may want to consider that are not covered in your homeowners policy:

  • Special Personal Property Insurance 

    Covers valuable items like cameras, jewelry and electronics that are not covered in your homeowners policy. Learn more about special personal property insurance.

  • Other Buildings on Your Property

    Covers unattached garages, storage sheds and other buildings. Learn more about insuring other buildings on your property.

  • Umbrella Liability Coverage

    An overarching liability policy that will cover costs beyond your homeowners and car insurance liability in the event of an accident.

  • Residential Equipment Breakdown

    Protects home systems not covered under your homeowners policy like your furnace, air conditioner, hot water heater, appliances, stereos, TVs and computers. Learn more about about Residential Equipment Breakdown.

Discount

  • Farm Bureau Member's Choice

    You’ll save time and money when you bundle your car and home insurance with us. Plus, you’ll have the convenience of one policy, one premium and just one deductible for all your covered possessions. Contact your agent to learn more about our Farm Bureau Member’s Choice policy.

  • Continued In-Force Credit

    Loyal customers who continue to renew their Farm Bureau Member's Choice policies are rewarded with loyalty credit.

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