What kind of home do you live in? A quaint raised-ranch? A three story modern beach house? Whatever home you choose, we are here to help you pick the option best for your home and family. We understand you want to protect the life you’ve built there. That’s why at Farmers we offer the SmartPlan home policy, with highly customizable packages.


  • Insurance meant for new homeowners. The standard package balances affordability and important features.


  • Insurance meant for established homeowners. Covers extra features like roof replacement, and accommodates higher policy limits.


  • Offers the highest limits and includes the Guaranteed Replacement Cost Coverage, as long as home meets certain requirements.

Each of these packages are highly flexible. Let Mike Urgo and his team help you decide which coverage is right for you, or how changing your policy will affect your current premium.

Each package is provided these additional features with no extra cost:

  • Declining Deductibles
  • Claims Free Discount – if you’ve been claim free for three or more years in a row, you will receive a discount.
  • Claim Forgiveness

Shopping for coverage or have questions about your current one? Your local Farmers agent is ready to help you today.