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Was there a single feature that sold you on your home? Maybe you couldn’t resist stunning city views or an open-plan kitchen with all the upgrades. Perhaps you liked its quiet cul-de-sac location. Or there was plenty of room for your classic cars in a three-car garage with full workshop.

Whatever you love about the place you call home, it’s not the only reason to choose insurance with care. Your home is also a major investment. And a Farmers® agent can help as you select the coverage you want.

Farmers Smart Plan Home®

Farmers Smart Plan Home policy uses three highly customizable packages as a starting point:

The Premier package comes with the highest limits and coverage on personal property, and can include Guaranteed Replacement Cost coverage for your home if certain requirements are met.

Within each of these packages, you have plenty of flexibility — you can raise or lower limits in virtually every type of coverage, and add or change coverage. Your Farmers agent is able to show you how each change would affect your premium.

A full range of home coverages and products


Coverage for your single family home.


Coverage for your condo or townhome.

Mobile & Manufactured

Coverage for your mobile or manufactured home.

Specialty Home

Coverage for seasonal homes, investment properties and older or low-value homes.

Vacant Home

Coverage for homes that aren’t occupied.

Your Farmers agent can also help you buy coverage for damage from floods and earthquakes (in most states).

Value-added features are built in to each home policy

Your Farmers home policy comes with benefits that can make coverage more affordable:

Declining Deductibles®

You can earn $50 toward your deductible each year the policy remains in force.

Claims Free Discount®

You will receive a discount if you’ve been claim-free with Farmers (or your previous insurer) for three consecutive years.

Claim Forgiveness

Your premium doesn’t increase because of a claim if you’ve been claim free with Farmers for five continuous years.

Cosmetic Damage

When you file a claim for functional damage, Farmers will cover related cosmetic damage as well.