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Michigan Farm Bureau Family of Companies

Homeowners Insurance

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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.

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Get a Quote

Protect your home and the things inside — request a quote today.


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.

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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

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.

Additional Options

For greater peace of mind, we offer a variety of additional coverages including Replacement Cost, Package Endorsements, and more.

A girl runs into a new home while parents walk up behind her carrying boxes

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

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.”

Additional Options

We have options to keep you protected from additional property coverages like replacement costs, debris removal, food spoilage, identity theft recovery expense, and more. 

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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. 

Personal Liability

If someone is injured on or off your property, Personal Liability coverage keeps you protected from potential lawsuits.

Medical Payments

Medical Payments coverage provides protection from injuries that occur at your residence (e.g. a friend slipped on your icy stairs).

Claims Expenses

Included at no additional cost, Claims Expenses are covered for reasonable expenses incurred up to $250 per day.

Additional Options

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.