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Farm Bureau Insurance  |  Insurance Products  |  Property Insurance
Homeowners Insurance: Coverage Options

What a Homeowner's Policy Covers
Farm Bureau Insurance offers several types of homeowner's insurance policies with various coverage options. Most of our Colorado homeowner's insurance policies contain similar basic coverage options but the amount of coverage and specifics of the coverage can vary by the type of policy you have. Your local Farm Bureau Insurance agent will help you find the best coverage for your situation, review your policy with you, and answer any questions you may have. In this complicated world, we do our best to make your insurance experience uncomplicated.

Dwelling Protection
As the name indicates, Dwelling Protection protects the dwelling (building) on the residence premises and used as your private residence.

Protection For Other Structures
You might have other buildings on your property that are separate or detached from your primary residence. This coverage provides protection for other structures on the residence premises set apart from the dwelling by clear space. Your Farm Bureau Insurance agent can review the specifics of the policy and coverage limits.

Personal Property Protection
Your home is more than just brick and mortar. Your personal property – like furniture, artwork, and other possessions – is also important to you. The items inside your home are covered under your homeowner's policy under Personal Property Protection. Be sure to discuss your policy limits with your local Farm Bureau Insurance agent to determine if you may need to raise the limits for your personal property.

Loss of Use
If your home is damaged by a covered loss and deemed unlivable, you'll need to find another place to live while your home is repaired. Loss of Use covers additional living expenses (up to the limits of your specific policy) if your home becomes uninhabitable due to a covered loss.

Personal Liability
If someone is injured or their property is damaged while they are at your house, Personal Liability Coverage helps protect you and your family against a claim or lawsuit.

Medical Payments to Others
Medical Payments to Others coverage pays reasonable and necessary medical expenses to anyone who is injured while at your home and who does not live with you.

Additional Coverage Options
To better meet your individual needs, we offer several endorsements that can be added to your policy, including:

Boat and ATV (All Terrain Vehicles) Endorsement: This endorsement may be right for you if you would like to purchase physical and/or liability coverage for a small boat or an All Terrain Vehicle.
Personal Property Floater: This floater provides additional coverage over what is provided for within your homeowner's policy for valuable items, such as jewelry, silverware, and guns. Your local Farm Bureau Insurance agent can review your policy limits and help you determine if a personal property floater is right for you.

This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.

Why Choose Farm Bureau Insurance
Farm Bureau Insurance is different from most insurance companies. We see you as a person not just as a policy number, so your Farm Bureau Insurance agent will take the time to review your unique needs, answer your questions and work within your budget. Homeowners across Colorado turn to Farm Bureau Insurance because we offer coverage you can count on at a price that won't break the bank. Plus, when you purchase Farm Bureau Insurance you're showing your support for local, Colorado farmers and helping to protect our supply of fresh, locally grown food. As a thank you, you gain access to a variety of discounts and benefits available to members of our Farm Bureau family.

Speak with a local agent today to get a personalized, no-obligation insurance quote.

My Account

Your My Account profile will allow you pay your bills online, report a claim, and view your billing summary for all eligible policies.

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Your My Account profile will allow you pay your bills online, report a claim, and view your billing summary for all eligible policies.

If you need assistance or have questions about this feature, please contact our Customer Support Department.

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