HOMEOWNERS insurance

Dennis Collins Insruance knows what matters to you most. That's why we specialize in providing home, condominium, and renters insurance policies based on your specific needs. Browse our Home section to learn more about how Farmers can help protect everything you've worked so hard to achieve.

Standard Coverage:

Property: Your Home

Coverage for many types of damage and for many causes of loss or damage (subject to exclusions) to your home and separate structures, such as a detached garage.
Coverage for separate structures at a minimum of 10 percent of the limit of insurance you choose for your home (can be increased by endorsement).
Extended Replacement Cost coverage (can be increased up to 150 percent meaning that you may receive 50% above your dwelling limit in the event of a covered loss) is available.

Property: Your Possessions

Coverage is based on a percentage of the limit of insurance you choose for your home.
Property is covered anywhere in the world.
Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions).
Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation.

Liability

Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments

Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.