The Texas Family Home Policy gives you peace of mind.  Your house, separate structures and personal property are covered for losses caused by:

• Fire and lightning
• Sudden and accidental damage from smoke
• Windstorm, tropical cyclone and hail
• Explosion
• Aircraft and vehicles
• Vandalism and malicious mischief
• Riot and civil commotion
• Theft
• Sudden and accidental discharge, eruption, overflow or release of water
• Buildup of ice
• Fall of trees or limbs, including falling, topping or trimming
• Falling objects
• Weight of ice, snow or sleet
• Collapse of building or structural part of the building

• The use of premises, including swimming pools.  (You can also cover other residential property you use for an additional premium.)
• The acts of your pets.
• Unintentional acts committed by you or qualified household members, either on or off your premises.

The Texas Family Home Policy doesn't stop there.  It also includes these important coverages (amounts and terms of coverage are spelled out in the policy contract):

• Arson and buglary reward
• Building ordinance or law
• Identity fraud, unauthorized use of credit cards, debit cards, fund transfer cards, forgery and acceptance of counterfeit money
• Debris removal
• Fire department service charge
• Food spoilage
• Glass breakage 
• Lock replacement coverage
• Trees, shrubs, plants and lawns

• For people who work from their homes or for themselves: Increased Limit on Business Property, Business Pursuits Liability, Office, Private Schools or Studio Liability, Child Care Libility
• For the casual rancher or farmer: Incidental Farmer or Ranch Owners 
• For the boater: Watercraft Liability
• For people with jewelry, furs, fine arts or silverware/goldware, etc.: Personal Article floaters
• For hunters or gun collectors: Firearms floater

Property owners know a Homeowners policy covers fire damage, but most don't realize that it won't cover flood or mudslide damage. Rising waters and debris can destroy your home, business and personal belongings within minutes. We are experts when it comes to flood insurance. 

These policies are designed to meet coverage requirements associated with condominium and townhouse living. Coverages are offered for assessed losses as well as property damage and liability protection.

Enjoy carefree mobile home living with Farmers Mobile Homeowners insurance. Your mobile home is covered from fire, lightning, windstorm, hurricane and hail as well as inside water damage.  Ask about the package policy program to save money on your auto and mobile home insurance.

Our Renters Package provides you with the liability and property protection renters need. It protects your personal property from fire, lightning, windstorm, hurricane and hail.  Ask about the package policy program to save money on your auto and renters insurance.

Farmers Homeowners Plus Home Warranty is an in-home insurance policy designed to keep you home running smoothly. It picks up where your homeowner's leaves off, covering major components from the wiring in your walls to the washer and dryer in the hallway.

•  Smoke detectors: Installing a smoke detector in every bedroom and keeping one centrally located on each floor of your home.  Test smoke detectors monthly, and replace batteries once a year.

• Be prepared: Make sure all family members know how to dial 911, and practice a fire drill every 6 months. Arrange a central meeting place at a tree or other landmark in front of your house.  Train family members to go straight to the meeting place after  they leave the house.  Teach children never to go back in the house, and never hide under beds or in closets.

• Prevent fires: Keep your home free of oily rags and trash buildup, and keep cleaning materials in a ventilated area and away from any heat source.

• Never overload circuits. Check your lamps, appliance cords, and light switches to make sure there is no faulty wiring.

• Child-proofing your home. Purchase safety plugs to reduce shock hazard, store all household chemicals out of reach of children, and keep adult sporting goods in locked cabinets.

• Backyard safety. Put garden and game equipment away after use, surround swimming pool by a high fence, and never let children swim unattended.

• Prevent Hot Water Burns: Reduce the temperature of your hot water to between 120 and 130 degrees Fahrenheit by turning down the control of your hot water heater.

• Be a careful cook. Never wear long sleeves when you cook, as they can catch fire. Keep the handles of you pots tuned inward so the pots can't be knocked over, and never put foil or other metals in the microwave oven.

• Prevent poison: never store inedible products in the same place as food. Discard leftover medications by flushing them down the toilet.

• Candles are becoming more popular, and so are accidents with them. Never leave a lit candle unattended.

• Never smoke in bed! Careless smoking is a leading cause of fire deaths in the United States.