Choice Is A Good Thing
Customized coverage just for you.
Not everybody needs or wants everything. So in addition to all the homeowers insurance basics, there are plenty of options that you can choose to make your policy fit your needs. Below are just some of the examples and many of these options can be grouped together for your convenience and to save you money.
Backups of sewers and drains – Yuck, this is really as bad as it sounds. We can help by adding coverage for this kind of mess.
The fridge is out – The cost for all those goodies in your refrigerator or freezer can add up. We have a solution to cover your loss due to power or mechanical failure.
The cat crossed in front of the motion detector and set off your burglar alarm. Now the police are going to charge you for responding to the false alarm. Don’t worry, we’ve got that.
Lock and garage door transmitter replacement – It happens, so why not consider coverage for these items?
If you’ve finished your basement for a great family space or built the ultimate man cave, rest easy and cover everything.
Save Some Dough
Find out how to get the coverage you need at a great price.
Claims-free discount – Sure paying a claim and covering your loss is our business, but if you are claims free you’ll be rewarded. Cha Ching!
Stick around and save – We reward your continued business, and you can earn up to a 10 percent discount on your homeowners premium.
Insure both your home and auto
with Indiana Farmers and get a discount on both. Awesome!
New homes get a discount!
Empty nesters – we all miss the kids, but there’s an upside. If your kids are out and on their own, you save. Plus, if at least one of the homeowners is age 50 or above you’ll save even more!
Now you can talk the talk just like the pros.
Dwelling Coverage (your house) – Pays to repair or rebuild your home if it's damaged or destroyed by – among other things – fire, smoke, storms, explosion, vandalism, and burglary.
Other Structures – If you’ve filled up your garage with so much stuff that you need a storage shed, it’s covered. Have a fence? It’s covered. Gazebo? Covered. You get the idea …
Personal Property (your stuff) – Protects the things in your house, such as your furniture, clothes, appliances, and all those knick knacks. Plus, those things are also covered when you take them along on vacation. How cool is that?
For some really expensive items like jewelry, guns, grandma’s silverware, computers, and business equipment, you'll want to consider adding additional coverage.
Liability – This will help if you're held accountable when someone is hurt or something of theirs is damaged while on your property.
What’s Not Covered – Flood (the Federal government sells flood insurance) and normal wear and tear. Earthquake damage is not automatically covered, but don’t let that shake you as you can add earthquake coverage to your homeowner policy.