We offer the Next Generation Homeowners policy from Farmers—a policy that offers you excellent benefits within one package without the restrictions that other companies place. Your house, personal property and separate structures (such as a detached garage) are covered for many of the everyday risks you face as a homeowner in protecting your property and assets.

Here are just some of the special features that offer you savings and peace of mind:

• 150% Extended Replacement
• $30,000 Identity Theft Coverage
• Building Coverage/Code Ordinance Coverage
• Loss of Use Coverage - Up to 24 Months
• 5% Discount for Professionals

In the event of a catastrophy, we have you covered not only 100% the value of your home but an additional 50% for reconstruction costs.

$30,000 Identity Theft Coverage

Having to restore your credit after identity theft can be emotionally taxing. It can be also a lengthy and expensive process trying to reclaim your credit. While most insurance companies provide coverage up to $25,000 in coverage, we provide up to $30,000 of coverage. This includes:

• $28,500 Expenses for attorney fees, loan reapplication fees, credit report fees, and lost wages
  
  
• $1,500 Credit Card

10% Building/Code Ordinance Coverage

If your property is damaged in an amount greater than 50 percent of the structure´s total value, your city or town may require that you bring the entire structure into compliance with current building codes to legally make repairs. Meeting code standards can result in significant additional costs.

Should this happen to you, know that you'd be covered with Next Generation's 100% dwelling coverage and an additional 10% of Building Code Ordinance coverage.

Loss of Use Coverage - Up to 24 Months

you for temporary housing expenses and things like furniture, car and boat storage and pet kennel expenses.

- Up to 24 months

5% Discount for Professionals

Enjoy a 5% discount on our Next Generation Homeowners policy for these professions: