Personal Insurance

Homeowners Advantage	Comprehensive coverage for owner-occupied properties. Identity Theft coverage provided to all Farmers of Salem Homeowners policyholders.
Combination Dwelling	Coverage for rented properties or occupied as a secondary residence.
Condominium Unit Owners	Coverage for owner-occupied or rented condominium units.
Renters/Tenant	Personal property and liability coverage for renters.
Personal Umbrella	Excess Liability Coverage available as part of our Homeowner Program.
Identity Protection Program	Identity Protection Program gives victims of identity theft what they need most — personal, expert guidance through the entire complex process of crisis resolution.

Commercial Insurance

Businessowners	Coverage for small to medium sized businesses. Employment Practices Liability coverage available to eligible business owner policyholders.
Special Contractors	Property and Liability coverage for artisan contractors.
Commercial Auto	Coverage for business vehicles.
Commercial Umbrella	Excess liability coverage for businessowners.
Commercial Inland Marine	Coverage for a variety of commercial property exposures.
Commercial Liability	Coverage for commercial liability exposures.
Commercial Package	Comprehensive coverage for both commercial property and liability exposures under one policy.
Workers' Compensation	Coverage for statutory workers’ compensation. Available in NJ only.