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Homeowners

Protect your Home and Family with Farmers of Salem

Farmers of Salem has been in the business of offering quality Homeowners products since 1851. Whether it’s your home or your possessions, let us help you protect what you value most from the unexpected loss. Whether it’s fire, lightning, theft or an injury on your property, Farmers of Salem’s comprehensive homeowners coverage will protect your most valuable assets. We also offer many coverage enhancement options. See below for more information on a number of these great coverages.

Personal Umbrella Coverage

Protecting yourself, your family and your assets is your number one priority. But, what happens if a loss occurs and your homeowner or auto liability limits are not enough?

Our personal umbrella endorsement offers your family additional limits up to five million.

Click Here for an example.

Equipment Breakdown Coverage

We all rely on equipment from heating and air conditioning to computers and telephones. Equipment Breakdown Coverage protects you against the unexpected repair or replacement of these items as a result of mechanical, electrical or pressurized systems breakdown.

Click Here for additional information and examples.

Service Line Coverage

This great enhancement option provides coverage for damage to underground piping, wiring, valves, or attached devices that connect your home to a public utility service provider or a private system.

Examples
  • Damage to underground service line
  • Cost to repair or replace damaged covered service line
  • Repair to outdoor property that is damaged due to excavation
Click here for additional information and examples.

Advantage PLUS Homeowners Program

Advantage PLUS includes:

  • "Open Perils” coverage for Personal Property
  • 125% Extended Replacement Cost Coverage
  • Replacement cost coverage for scheduled Personal Property or Personal Property covered on a blanket basis in the event of a covered claim

Identity Theft Coverage and Resolution Services

The Farmers of Salem Homeowner policy provides an automatic $10,000 in identity theft coverage at no additional cost to you, the policyholder. You may choose to increase the limit beyond $10,000 for an additional premium.

Click Here For Additional Information.