Home and Property

You’ve seen 18 inches of snow in May. You’ve seen the sky turn gray with rain and hail in an instant. You’ve seen your mail carrier slip and slide down your block on a chilly winter’s day. Your home is the biggest investment you will ever make. It’s where your family will grow and make memories. Help protect it and everything in it with a comprehensive home and property policy from Federated.

Your Protection

Federated's policy offers you the following features:

  • Repair or replacement of your home, up to 125 percent of the limit on your home
  • Repair or replacement of your personal belongings up to 75 percent of the limit on your home
  • Optional protection for boats and boat motors, jewelry, sports equipment, fine arts, computers, cameras, cell phones, and collectibles
  • Protection for damage from the backup of water from sewers, drains, and the overflow of sump pumps is available for an additional cost
  • Optional Identity Recovery assistance to help restore your good name in the event of identity theft
  • Disaster Deductible Extension should you have a loss involving your home and auto
  • Optional protection that offers higher limits for our Platinum Program policies


Special discounts are available when you have home and auto coverage through Federated. After three years insured with Federated, you are eligible for a claims-free discount, and your first loss is forgiven. 

Discounts are available for the following:

  • Long-term policyholders
  • Newer or upgraded homes
  • Alarm systems
  • Non-smokers

Coverage will be determined by the terms of your policy, if approved for issue, and the circumstances of the claim.  Coverage exclusions may apply according to the terms of your policy.

“I appreciated working with someone that can calmly explain the various insurance products and practices. I also appreciate their willingness to allow me time to digest information and make a decision when I was ready, without pressure.”

John, Federated Policyholder

“I believe in Federated Insurance and the product enough to use it myself — for 31 years. It’s not just a coverage thing; it’s a peace-of-mind thing as well.”

Bill, Federated Policyholder