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 your belongings in it with a 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


*Deductibles and policy limits apply.



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. Conditions Apply.

Discounts are available for the following:

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


This is not an offer of insurance.  Coverage not available in all states.  Your eligibility and premium will depend on the application of Federated’s underwriting guidelines to your unique circumstances including, but not limited to, your personal information, driving record (for auto coverages), loss history, location and coverage.  The terms of your policy will govern, if approved for issue.  Policies are underwritten by Federated Mutual Insurance Company which is licensed in Minnesota.