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Residential Home Insurance

Why Choose Farmers Union for Your Residential Homeowners Insurance

We offer some of the most comprehensive insurance protection for your home. Of course we cover all the basics like your structure and possessions but we also offer many extras that don't cost extra. We also offer many discounts to make your Residential Home Insurance very affordable.

Home Insurance Extras That Don't Cost Extra:

• Inflation Guard to keep the value of your home and your coverage in line with rising inflation costs.
• Debris Removal after a loss
• Fire Department Service Charges
• Identity Theft Resolution Assistance to help restore your good name and financial records. (Identity Theft 911TM)
• Restoration of Important Papers in a natural disaster
• Deductible Options to fit your budget and lifestyle

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Available Discounts Include:

• New Home (for homes up to 8 years old)
• Hail Resistant Roofs
• Packages (when you have a Farmers Union Insurance auto or farm policy)
• Claim-free
• Good Credit

Special Home Endorsements

As a partner in your protection, we offer more than a standard residential home insurance policy. You may purchase special endorsements such as:

Home Equipment Breakdown Endorsement

An Innovative and Simple Solution

Comfort. Security. Convenience. They're what a home is all about. But most of us take the heart of our home - critical equipment that provides heating, cooling and electricity - for granted. If you're like most residential homeowners, you may assume your residential homeowners insurance policy, equipment warranties and service contracts have you covered should critical home equipment break down. But, chances are your protection is incomplete. And a breakdown could be surprisingly costly - as much as $6,000 or more. Now, you can enhance your Farmers Union Insurance Homeowners Policy with a new coverage that is amazingly affordable. Farmers Union Insurance's Equipment Breakdown coverage can be easily included as a value-added feature to your Farmers Union Insurance Homeowners Policy.

Coverage for Key Equipment

All homeowners count on equipment in their homes for comfort and services. Here are some of the types of equipment covered by our Home Equipment Breakdown endorsement:

• central air conditioning
• ventilation systems and fans
• boilers and water heaters
• furnaces, heat pumps, heaters, solar heaters
• deep well pumps
• backup generators
• chair lifts and elevators
• electrical power panels
• various types of motors and mechanical devices
• pool equipment
• central vacuum systems

Homeowners Plus Insurance

The Plus means you receive additional or increased protection under your Farmers Union Residential Homeowners Insurance Policy.

FinancialGuard

Provides added financial support, security and peace of mind. For example, in case of theft or unauthorized use of a credit or debit card or a loss from forgery or counterfeit money, your liability limit is increased to $2,500 from the standard policy limit of $500.

HomeGuard

Provides many added and extended coverages for your existing residential Home policy including Lock Replacement, Water Backup/Sump Discharge or Overflow and Refrigerated products.

Property Inventory

One of the most important things you can do for to protect yourself in the unfortunate event you have a claim is to maintain a current inventory of your possessions. We provide a Home Inventory Checklist for this purpose. Even better, if you have a video recorder, periodically walk throughout your property and make a narrated video. Be sure to store the checklist and video in a secure place, like a safety deposit box. This makes it much easier for your to make a claim against your residnetial home insurance if the worst happens.