Homeowners Insurance in California
Premier Farmers Agency
Insurance Built Around Your Home
Your home is one of the biggest investments you’ll make. Farmers offers customizable homeowners insurance designed to protect your home, belongings, and financial security — with coverage options that can be tailored to your needs.
With a broad range of coverage options, multiple ways to save, and the support of a local insurance agent, we can help you find coverage that fits your home and your life.
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Coverage Built Around Your Home
Not every home or homeowner has the same insurance needs. Farmers offers different coverage options that allow you to build a policy around your specific situation.
From standard protection to enhanced coverage options, we can help you choose the level of protection that makes sense for your home, belongings, and budget.
Depending on your policy and eligibility, additional options may include extended replacement cost and other enhanced coverage features designed to provide additional protection when you need it most.
Detailed Coverage Analysis
Every home is different, and accurately insuring your property starts with understanding how it was built.
We take the time to review the construction details and characteristics of your home - including factors such as square footage, construction materials, roof characteristics, features, and other property-specific details - to help determine an appropriate amount of dwelling coverage.
Our goal is to help you avoid being underinsured or unnecessarily overinsured. We carefully review the information used to determine your home's replacement cost so your coverage is based on the property itself rather than simply relying on a basic estimate.
When you work with a local agent, you also have someone who can walk through the details with you, answer questions, and help make sure your policy accurately reflects your home.
More Ways to Save
Farmers offers a wide variety of potential discounts, and eligible homeowners may be able to combine multiple savings opportunities.
Profession & Education Discounts
Your career or education may also help you save. Eligible customers may qualify for affinity discounts based on certain professions or qualifying college degrees.
Home & Auto Bundle
If you insure both your home and auto with Farmers, you will be eligible for a 22% home-and-auto bundle in California.
Bundling can also make managing your insurance easier by keeping multiple policies with one company and giving you one local agent to help with your coverage.
Home & Safety Discounts
Depending on your home and policy, you may also qualify for discounts related to features such as security systems, fire alarms, protective devices, newer homes, qualifying roofing materials, and other home safety improvements.
We'll review the available discounts with you to help identify savings opportunities you may qualify for.
Coverage Options That Go Beyond the Basics
Claim Forgiveness
Eligible policyholders may have access to claim forgiveness, which can help protect against a premium increase resulting from a claim after meeting applicable requirements.
Cosmetic Damage Coverage
Depending on the policy and eligibility, Farmers may offer options that provide additional protection for certain cosmetic damage to your home.
Extended Replacement Cost
For eligible policies, extended replacement cost coverage can provide additional protection when the cost to rebuild your home exceeds your selected dwelling coverage limit, subject to the policy's terms and conditions.
Protection for More Than Just Your Home
Home insurance isn't only about the structure itself. A homeowners policy can also provide protection for your personal belongings, additional living expenses, and personal liability.
We can help you understand coverage for:
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Your home's structure
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Other structures such as detached garages and fences
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Personal belongings
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Additional living expenses if your home becomes uninhabitable after a covered loss
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Personal liability
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Additional coverage options for specific risks and belongings
Farmers also offers coverage options for a variety of different property situations. Talk with us about your specific home and we'll help you explore what may be available.
Coverage for Risks Others May Not Cover
Every insurance company has its own underwriting guidelines and coverage options. Farmers offers a broad range of home insurance solutions, allowing us to explore coverage for situations that may not be available through every insurer.
We'll look at your home, its characteristics, your location, and your specific needs to determine what Farmers coverage options may be available to you.
The Advantage of a Local Agent
Insurance can be complicated, especially when you're protecting your home and everything you've built.
As your local Farmers agent, we're here to help you understand your coverage, review your options, identify available discounts, and answer questions when you need us.
You're not just getting a policy, you're getting a local person you can call when you need help.