Home Insurance
Where life happens, protection matters most.
Your home is your most important investment. We make sure it is protected completely — from the structure to every item inside it.
Why it matters
Your home deserves comprehensive coverage
Your home is likely your largest financial asset — and your most personal space. A comprehensive home insurance policy ensures that when the unexpected strikes (fire, theft, a severe storm, or a visitor's injury) you are fully protected, not left covering tens of thousands of dollars on your own. The right policy is not just about the home itself — it is about everything inside it and everyone who lives there.
What Your Policy Can Cover
A well-built home policy is more than fire protection. It covers your belongings, your liability, and your temporary housing — from one event to the next.
Dwelling Coverage
Covers the physical structure of your home — walls, roof, floors, built-in appliances, and attached structures — against covered perils like fire, wind, and hail.
Personal Property
Protects your belongings — furniture, electronics, clothing, and valuables — inside and, in many cases, outside your home.
Liability Protection
Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property.
Loss of Use
Pays for temporary housing and additional living expenses while your home is being repaired after a covered loss.
Medical Payments
Covers medical bills for guests injured on your property, regardless of fault — a goodwill coverage that can prevent costly disputes.
Flood & Water Endorsements
Optional coverage for flooding, sewer backup, and water damage — events not covered by standard policies but increasingly common.
The Myers Advantage for Home Coverage
We help you compare Farmers home policy options so you get the right value — not just the lowest premium, but the coverage that actually protects your property.
Replacement Cost Coverage
We prioritize policies that pay what it actually costs to rebuild — not just what your home's depreciated value is at the time of the loss.
Bundle & Save
Combining home and auto coverage typically saves money on your total annual premiums. We run the numbers so you can see the difference.
Responsive Claims Support
A dedicated advisor guides you through every step of a claim — from the first call to final payment. You're never navigating it alone.
Farmers
Insurance Products
Local
Michigan Advisors
24 hrs
Quote Response
$0
Cost to Review
Protect your home the right way.
Tell us about your home and we will review your Farmers coverage options. Most quotes are ready within one business day.