Homeowners Insurance

For many of us, our homes are our largest and most valuable asset. Having the right coverage and a trusted advisor is important when it comes to protecting your home. Farmers Union Insurance offers comprehensive policies with coverage and discount options made to suit various different types of homes, budgets, and unique situations. Unfortunately for most people, the need for having proper coverage is not realized until a claim occurs, Farmers Union Insurance can change that! Our 400 highly skilled local agents are ready to help you close the gap and prevent costly damages from affecting your personal finances.

Individual Residences

• Client Longevity Discount: Offered to insureds who have either been insured with Farmers Union Insurance for three or more years, or come to Farmers Union Insurance having been continuously insured with their prior company for three years or longer
• Updated Home Discount: Offered to insureds who have made full updates to their homes structure and systems to keep wear and tear related risks at a minimum
• Package Discount: Get a multi-policy discount when you also insure your auto or farm with Farmers Union Insurance
• Claim Free Discount: Receive a discount on your policy for maintaining a clear claim history

Condominiums

Insuring a townhome or condo is just as important as buying coverage for a single family residence, but your needs are different! Farmers Union Insurance offers policies specifically designed to provide the right coverage for your condo or townhome.

Depending on what is offered by your association and the terms of your membership, many condo and townhouse owners choose to buy:

• Condo Contents Coverage: To cover your personal belongings, furniture, and appliances not attached to the structure
• Condo Liability Coverage: To cover you in the event a visitor or guest suffers an injury while inside your unit
• Loss Assessment Coverage: When the association's common property experiences a large claim, that loss is shared by all of the members. This coverage helps you avoid extensive out of pocket expenses

Apartments & Rental Homes

Just because you don't own your home, does not mean that you do not have liability or a need to protect yourself. Renters Insurance can provide the same type of benefits and coverage as a regular homeowners policy, but only for the things you personally own inside your house or apartment.

While in most cases your landlord or building is responsible for the liability to visitors and hired workers, there are situations where the renter can share liability for injuries to others on the rental property.

Farm Residences

Click here to learn about our Farm Owners policies.

Umbrella & Watercraft

For the convenience of our policyholders, we also offer umbrella liability and watercraft coverage as "add on" protection to our home policies. Umbrella coverage provides you with an additional layer of liability in the event a lawsuit arises from a claim made against your home or auto policy.