Farmers Insurance Quote Home

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Farmers Insurance Quote Home

Farmers Insurance Quote Home

Selecting the appropriate homeowners’ insurance coverage for your New Jersey house can be a difficult decision. A fire, lightning strike, tornado, or even a break-in can all be considered frequent calamities, and homeowners insurance can assist you lessen the financial strain of rebuilding or repairing your house and replacing your possessions. In the event of an injury litigation, it may also assist with cost reimbursement.

What is covered by homeowners insurance?

Damage to your house and belongings brought on by a variety of insured dangers is covered by a conventional homeowners insurance policy. Common home insurance plans provide coverage for harm brought on by:

  • Vandalism and malicious mischief
  • Some types of water damage
  • The weight of ice, snow, and sleet
  • Windstorms and hail
  • An aircraft, car, or other vehicle
  • Explosions
  • Falling objects
  • Fire and smoke
  • Lightning strikes
  • Theft

What are the types of homeowners insurance?

Standard homeowners insurance policies offer four primary types of coverage in the majority of states.

  • Liability coverage helps you protect your financial assets if you’re at fault for an injury or property damage.
  • Additional living expenses coverage helps you pay for rent, food, and other increased costs if you have to live somewhere else while your home is being repaired.
  • Dwelling coverage helps you pay for repairs or rebuilding your home if it’s damaged or destroyed.
  • Personal property coverage helps you pay the costs of fixing or replacing your belongings if they’re damaged.

What is the cost of homeowners insurance?

According to a January 2021 report from the National Association of Insurance Commissioners, the average premium for a HO-3 policy, the most popular homeowners policy, is approximately $1,115 per year for a package (including dwelling, property, and liability coverage) with an insurance range of $200,000-$299,000.

However, several factors, including where you live, the kind of house you own, and the level of coverage you select, affect how much a home insurance policy will cost. To find out more about the reductions that are available and your coverage options, speak with a farmer agent.

Get a Homeowners Insurance Quote

Ready for a free quotation with no strings attached? It just requires three easy steps and is quick:

  • To begin, please provide a few basic details about yourself that will help them get to know you.
  • They will then inquire about your residence and personal belongings. Please provide the value of your belongings, the start date of your new insurance, and the limits of your existing policy for the most accurate online quote.
  • Lastly, you can check to see whether you are eligible for any savings. Now might be a good time to include a quote for a life insurance policy or an auto policy, as you can receive multiline savings when you buy multiple policies from Farmers.

Products Farmers offers:

  • Auto Insurance
  • Home Insurance
  • Renters Insurance
  • Landlord and Rental Properties
  • Life Insurance
  • Business Insurance
  • Motorcycle Insurance
  • Recreational Insurance
  • Umbrella Insurance

If you prefer to get your homeowner’s insurance quote by telephone, please call 1-800-493-4917. Get a quote


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