Buying and owning a home is part of the American dream that comes with a sense of pride and achievement. Your home represents hard work and a safe haven for your family, so you want to be sure it’s well protected.
Having a homeowners policy helps ensure you’re not caught off guard when unexpected events happen. Homeowners insurance provides protection for your home (dwelling coverage), its contents (personal property coverage) and liability, coverage for claims brought against you for bodily injury, property damage or personal injury liability for which you’re legally liable. For increased liability protection, consider an umbrella policy.
A Farm Bureau agent can help you determine the right amount and type of homeowners insurance, the appropriate deductible and available discounts. To list all your possessions — inside and out — use our handy home inventory kit. There is also coverage available for special items like antiques, fine jewelry or artwork.
Whether you are buying your first home, upgrading or downsizing, keep these things in mind when looking for the perfect home:
Evaluate your financial situation — set goals for a home’s cost, location, type and size
Choose a real estate agent — once you find your dream home, initiate a purchase agreement that meets your goals
Select a lender — seek mortgage approval, negotiate an interest rate, complete the home inspection and close on your loan
Purchase homeowners insurance ― your mortgage lender will require you to have adequate coverage
Providing for loved ones
As a homeowner, chances are you will have mortgage payments in addition to your other regular expenses. Life insurance can provide benefits while you’re living, and after you are gone, life insurance can help your family with things like the mortgage and car payments, child care and college costs. There are a variety of life insurance products, including term or permanent coverage, designed to meet your family’s needs.
Your home provides a sense of security and comfort, so talk to a Farm Bureau agent today about homeowners insurance coverage that protects your investment and gives you peace of mind.
IMPORTANT: The information and material contained on this Web site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This Web site briefly highlights Farm Bureau's insurance policies and their benefits. The contract is contained only in the policy. Farm Bureau products are offered by Farm Bureau agents -- for more information about any Farm Bureau product, please contact your local agent or nearest office using the Agent Locator.
Neither the company nor its agents give tax, accounting or legal advice. There are various income limits and other requirements to quality for some of the tax-saving benefits of all IRAs. Please consult your professional adviser in these areas for more information regarding your particular situation.