Home Insurance That Provides Peace of Mind
Protect the place where life’s moments happen. Your home and the things inside are important. At Farm Bureau Insurance of Michigan, we care about protecting what makes your house a home with coverages that fit your needs.
Coverages
Farm Bureau Insurance keeps your home protected with a variety of coverages and exceptional service. Our agents will help you get the right amount of protection for your home, your belongings, and your wallet.
Farm Bureau’s Homeowners policy ensures that the physical structure of your home is protected. Our policy provides you with the coverages you need at an affordable rate.
Dwelling
Dwelling coverage ensures your home and other structures are protected from life's unexpected moments. Should disaster strike, dwelling coverage protects your home and other structures like a detached garage.
Loss of Use
Loss of Use coverage helps cover additional living expenses, such as hotel stays, for up to 12 months while your home is repaired or rebuilt.
Open Perils
With the selection of Special Form, Open Perils coverage protects your Dwelling and Other Structures from all risks and damages except those specifically excluded in the policy, with an option to extend Open Perils coverage to Personal Property.
Superior Coverages
Your Homeowners policy automatically includes essential coverages such as Cyber Protection, Home Systems Protection, and Underground Service Line, providing protection against today’s digital and infrastructure risks.
Additional Options
For added peace of mind, we offer a range of additional coverages, including Extended Replacement Cost and Extended Premier Replacement Cost. These options provide up to 150% and 200% of your dwelling’s insured value, helping cover increased rebuilding costs if construction prices rise.
We also offer Select Plus and Select Premier endorsements for enhanced protection, including coverages like Hidden Water Damage, Mortgage Expense, Collapse Due to Hydrostatic Pressure, Business Property, and more.
Your home is more than the structure you live in. It’s your memories and all the items you’ve worked hard for. Farm Bureau’s homeowner policy is designed to protect these cherished assets too.
Personal Property
Personal Property coverage protects all the things you’ve worked for. We protect your treasured assets should something happen to them at home or anywhere in the world.
Scheduled Personal Articles (SPA)
Scheduled Personal Articles coverage protects personal items with special insurance needs like jewelry, fine art, and more.
Special Personal Property (SPP)
Special Personal Property coverage provides protection under unique circumstances when a standard Homeowners policy does not. For example, if you have a 52’’ screen TV that is accidentally broken, it may be covered under “Special Forms.”
Additional Options
We have options to keep you protected from additional property coverages like replacement costs, debris removal, food spoilage, identity theft recovery expense, and more.
A Homeowners policy from Farm Bureau Insurance protects more than just your home and livelihood. You can have peace of mind that your wallet is covered too.
Personal Liability
If someone is injured on or off your property, Personal Liability coverage keeps you protected from potential lawsuits.
Medical Payments
Medical Payments coverage provides protection from injuries that occur at your residence (e.g. a friend slipped on your icy stairs).
Claims Expenses
Included at no additional cost, Claims Expenses are covered for reasonable expenses incurred up to $250 per day.
Additional Options
We can keep you protected from other liability expenses such as damage to other's property or non-owned recreational vehicles. Contact a Farm Bureau Insurance agent for all additional options.
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