Home Insurance

Welcome to the Josh Chapman Agency Home Department

Home Insurance

Was there a single feature that sold you on your home? Maybe you couldn’t resist stunning city views or an open-plan kitchen with all the upgrades. Perhaps you liked its quiet cul-de-sac location. Or there was plenty of room for your classic cars in a three-car garage with full workshop.

Whatever you love about the place you call home, it’s not the only reason to choose insurance with care. Your home is also a major investment. We can help as you select the coverage you want.

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A Home Insurance Policy That Fits Your Life

How do you define dream house? You might’ve chosen a Spanish-style hacienda on your favorite golf course, a center-hall colonial in a great school district, or a perfectly restored mid-century modern. Your home is a major investment, but — more than that — it’s where you raise a family, entertain friends and create lifelong memories.

Whether you live in the perfect starter house, a custom-built dream home or something in between, one thing is true: You want to protect the life you’ve made there.

There’s a condo community for every taste — whether you prefer a downtown high-rise, a loft-style condo conversion or a small complex in a serene setting. Condos often feature amenities like swimming pools or security patrols. And there’s a good chance your homeowners association takes care of gardening and exterior maintenance. It all adds up to a lifestyle you enjoy.

But your condo is more than a place you call home. It’s also a major investment filled with possessions you want to protect.

Why did you choose your mobile or manufactured home? Maybe you wanted the convenience and amenities of a well-tended mobile home park. Or perhaps the custom potential of a manufactured home was an ideal option for your semi-rural acreage.

Your home represents a significant financial investment — protecting it takes careful research, and our agents can help as you choose the coverage you want.

Maybe you have a cabin in the mountains, a lake house or a beach cottage. Whether used as a weekend getaway or a seasonal retreat, it’s a special place you want to protect. And our agents can talk to you about a variety of coverage options.

Whether you’re waiting for a home to sell, looking for the right tenant or doing renovations, owning a vacant property comes with special risks. In fact, some insurers won’t cover them at all. But Farmers® offers insurance options and features that can provide coverage for vacant property:

  • If you choose vandalism and malicious mischief coverage, it can help if someone intentionally damages your vacant home.
  • A 12-month policy can provide a full year of coverage with flexible payments options and prorated cancellation, subject to a minimum amount earned, if your home is occupied before the year is up.
  • Landlord flexibility means there’s no need to cancel a policy and get a new one when a tenant moves in. In most states, Farmers can easily change a vacant home insurance policy to a landlord policy — or an owner-occupied policy if you decide to move in.
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