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Homeowners Insurance

Homeowners insurance California

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and all of the personal property you keep in it. 

Farmers Smart Policy

 With our new Farmers Smart Home Policy, it gives you three different options to choose from on the coverage that you feel most comfortable with. We'll be sure to educate you on which coverage is the best decision, depending on the variables of having anything that's high liability, you probably would want to go with a higher coverage. 

What's Covered? 

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. Flood and Earthquake are not covered by your basic homeowners insurance policy. We like to offer that as an option for an additional estimate of around ten dollars a month to insure your home if there's a flood, or around ten dollars a month if there's ever an earthquake. 

Why Homeowners Insurance? 

  Your home is probably your most valuable financial investment. But it’s so much more than that! Your home represents your family, your lifestyle, your escape from the world outside, and that reward for years of hard work and dedication. And Farmers understands how vital it is to protect that. That’s why we’ve spent 85 years building a Smarter Choice in Home Insurance. With Farmers Home Insurance, you get so much more than just coverage.


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11405 W Bernardo Court, San Diego, CA 92127
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