Our Products

Homeowners

Protecting yourself and your investment from the hazards of life is vital. Kelso & Shelby Farmers Mutual Insurance Company offers a homeowners combination policy that includes home and personal property coverage, as well as, personal liability and loss of use coverage.

Homeowner Coverages Include:

  • Owner-Occupied Homes
  • Renters Policies
  • Seasonal Homes
  • Condominiums

Ask your agent about policy premium discounts for:

  • New/Upgraded Home
  • Protective Devices
  • Claim Free
  • Valued Customer
  • Companion Policy
  • Higher Deductible

Other coverages available:

  • Back-up of Sewer, Drains, and Sump Systems
  • Refrigerated Food Products
  • Related Private Structures
  • Identity Theft Expense
  • Expanded Replacement Cost – Dwelling
  • Replacement Cost for Personal Property
  • Special Form Coverage for Personal Property
  • Theft From Your Residence While Under Construction
  • Watercraft Liability
  • Recreational Vehicle Liability
  • Farm Liability
  • Personal Injury Liability
  • Umbrella Liability