Farmers Mutual's policies are only available in Nebraska and South Dakota. Our policies are marketed and sold through a select group of independent insurance agents. These agents are business people who live in your community and are able to sit down with you and discuss an insurance program that best suits your needs.

Whether you own your own home or rent an apartment, your property is far too important to be left unprotected or underinsured. At Farmers Mutual we have a Homeguard Policy that can meet your insurance needs.

The Sections shown below briefly describe the type of coverage offered:

Section I - Property Protection

Section II - Personal Liability Protection

We also offer a Multi Policy Discount if you have both your home and qualifying auto policies with Farmers Mutual.
Section I provides coverage for the following items:

Dwelling

Other Structures

Personal Property

Loss of Use

Additional Coverage for:

· Debris Removal

· Fire Department Charges

· Credit Card, Electronic Fund Transfer Card

· Trees, Shrubs, Plants and Lawns

· Refrigerated Products

· Inflation Adjustment

Four coverage forms are available:

Homeguard 2 Broad Form

Homeguard 3 Special Form

Homeguard 4 Renters or Tenants Policy

Homeguard 6 Condominium Unit Owners Form

Many optional coverages are available and can be added by endorsement. These include but are not limited to:

Increased Replacement Cost Coverage on the Dwelling

Replacement Cost Coverage on Household and Personal Effects

Special Coverage on Household and Personal Effects

Identity Theft Expense Coverage

Increased limits for Money, Jewelry, Silverware, Guns and Business Property

Scheduled Property such as:

· Jewelry

· Computers

· Motor Boats and Equipment

· Golfers Equipment

· Cameras

· Silverware

· Fine Arts

· Musical Instruments

Credits are available for:

New Homes (up to 10 years)

Smoke Alarms, Fire Extinguishers and Dead Bolt Locks

Higher deductibles are available. The higher the deductible the lower the premium.

Coverage L - Bodily Injury and Property Damage
This pays the insured's legal liability for damages to others because of bodily injury or property damage arising out of the ownership or operation of the insured premises, or from the insured person's personal activities. This also pays the cost to defend the insured for liability covered by the policy until we have paid an amount equal to the limit of liability of the policy.

Coverage M - Medical Payments to Others
This pays (without regard to legal liability) for necessary medical services for each person not residing on the insured premises who is injured in an accident while on the insured premises with permission, or while elsewhere if the injury arose out of the insured premises or was caused by the activities of an insured.

Additional Coverages

Claim Expense

First Aid Expense

Damage to Property of Others

This pays for unintentional damage to property owned by others caused by an insured, subject to the exclusions in the policy.

Loss Assessment

Optional Coverages

Watercraft Liability

Additional Premises Rented to Others

Incidental Office, Professional, Private School, Child Care or Studio Use

Seasonal or Additional Residence Premises

Waterbed Liability

Business Pursuits (not a business owned or financially controlled by the insured)

Personal Injury Liability