Home Insurance That Provides Peace of Mind
Protect the place where life’s moments happen. Your home and the things inside are important. At Farm Bureau Insurance of Michigan, we care about protecting what makes your house a home with coverages that fit your needs.
Farm Bureau Insurance keeps your home protected with a variety of coverages and exceptional service. Our agents will help you get the right amount of protection for your home, your belongings, and your wallet.
Farm Bureau’s Homeowners policy ensures that the physical structure of your home is protected. Our policy provides you with the coverages you need at an affordable rate.
Dwelling coverage ensures your home and other structures are protected from life's unexpected moments. Should disaster strike, dwelling coverage protects your home and other structures like a detached garage.
Loss of Use
Loss of Use coverage helps pay for living expenses, like hotel stays, while your home is repaired or rebuilt.
Named Perils coverage protects you from things that are out of your control like weather-related damages (e.g. fire, smoke, wind, hail), vandalism, theft, and more.
For greater peace of mind, we offer a variety of additional coverages including Replacement Cost, Package Endorsements, and more.
Your home is more than the structure you live in. It’s your memories and all the items you’ve worked hard for. Farm Bureau’s homeowner policy is designed to protect these cherished assets too.
Personal property coverage protects all the things you’ve worked for. We protect your treasured assets should something happen to them at home or anywhere in the world.
Scheduled Personal Articles (SPA)
Scheduled Personal Articles coverage protects personal items with special insurance needs like jewelry, fine art, and more.
Special Personal Property (SPP)
Special Personal Property coverage provides protection under unique circumstances when a standard Homeowners policy does not. For example, if you have a 52’’ screen TV that is accidentally broken, it may be covered under “Special Forms.”
We have options to keep you protected from additional property coverages like replacement costs, debris removal, food spoilage, identity theft recovery expense, and more.
A Homeowners policy from Farm Bureau Insurance protects more than just your home and livelihood. You can have peace of mind that your wallet is covered too.
If someone is injured on or off your property, Personal Liability coverage keeps you protected from potential lawsuits.
Medical Payments coverage provides protection from injuries that occur at your residence (e.g. a friend slipped on your icy stairs).
Included at no additional cost, Claims Expenses are covered for reasonable expenses incurred up to $250 per day.
We can keep you protected from other liability expenses such as damage to other's property or non-owned recreational vehicles. Contact a Farm Bureau Insurance agent for all additional options.
Ways to Save
By having multiple insurance policies with us, you could be eligible to save even more on your homeowner's insurance.
New Home Discount
This discount is available on Homeowner policies for dwellings that are 30 years old or newer.
New Roof Discount
A new roof provides an extra layer of protection on your home. We recognize that and provide a discount for eligible homes offering you additional savings.
Protective Device Discount
Your home is eligible for this savings when you have properly installed smoke detectors, burglar alarms, Automatic Backup Generators or other qualifying devices.
Pay your premium all at once or use our Electronic Funds Transfer (EFT) option, and you can be rewarded with a discount on your policy premium.
Savings and more resources are available for FREE with your Farm Bureau Homeowners policy. The MyHomeWorks™ program offers practical tools and information to help you protect the systems that run your home. It also offers a home inventory tool and many energy-saving tools and tips.