Discover Homeowners Insurance

WITH CFM INSURANCE

Protect Your Home

Everyone has heard the age old adage, “home is where the heart is”. Home is also the place filled with your most prized possessions, and where you and your family can always rely on being able to relax and feel the most comfortable, so be sure to protect it with a homeowners insurance policy and a company that you can trust.

It's important to know what you need when it comes to home insurance coverage. CFM Homeowners Insurance offers home insurance packages that are specifically customized to your needs. Your home is a valuable asset, and you deserve the best insurance protection available.

Find out which coverage options are available to you. To get a quote for the dependable homeowners coverage you deserve, please provide us your information and one of our trusted agents will contact you.

Homeowner Package Descriptions
Homestead Exclusive Homestead Home Protector

The Homestead Exclusive is a Replacement Cost policy and our top-shelf product for homes built in the last 25 years.

The Homestead product offers all peril Replacement Cost coverage. This package policy is ideal for well-kept, newer homes.

The Home Protector offers excellent coverage for older homes that are well maintained.

Coverage:

  • Special, Form 3
  • Insured 100% to value
  • Expanded Dwelling Replacement Cost coverage
  • Personal Property Replacement Cost
  • $10,000 Water Damage coverage for Sewers, Drains & Sumps
  • Inflation Guard Protection

Coverage:

  • Special, Form 3
  • Insured 90% to value
  • Inflation Guard Protection

Optional Coverage:

  • Personal Property Replacement Cost
  • $10,000 Water Damage coverage for Sewers, Drains & Sumps

Coverage:

  • Broad, Form 2
  • Insured 80% to value
  • Inflation Guard Protection

Optional Coverage:

  • Personal Property Replacement Cost
  • $10,000 Water Damage coverage for Sewers, Drains & Sumps

Guidelines:

  • $1,000 minimum deductible
  • Minimum Dwelling value of $125,000
  • Dwelling must be less than 25 years old
  • Level 1 insurance score
  • No prior claims in the past 3 years

Guidelines:

  • $1,000 minimum deductible
  • Minimum Dwelling value $80,000
  • Dwelling must be built within the last 40 years or have been recently updated
  • All levels of insurance scores accepted
  • No prior claims in the past 3 years

Guidelines:

  • $1,000 minimum deductible
  • Minimum Dwelling value $40,000
  • Dwelling must have current wiring, heating/cooling & plumbing
  • All levels of insurance scores accepted
  • No prior claims in the past 3 years
Basic and Limited Single-Family Dwelling

The Basic and Limited Dwelling policies provide Actual Cash Value coverage for Dwellings of any age.

Coverage:

  • Basic, Form 1
  • $40/square foot minimum value - Basic
  • $25/square foot minimum value - Limited

Optional Coverage:

  • Personal Property Replacement Cost
  • $10,000 Water Damage coverage for Sewers, Drains & Sumps
  • Additional Living Expense

Guidelines:

  • $1,000 minimum deductible
  • Minimum Dwelling value $40,000
  • Dwelling must have current wiring, heating/cooling & plumbing
  • All levels of insurance scores accepted
  • No prior claims in the past 3 years

*Certain guidelines and restrictions will apply.

Discounts

CFM's goal is to provide you with quality coverage at an affordable price. These discounts are offered to save you even more money on your home insurance. Talk to your agent to see if you and your policy qualify for the following discounts:
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Military/Veteran

This discount can be applied to insureds who are currently in the military or are veterans.
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Education/Public Safety

This discount can be applied to any insured who is currently working as or is a retired teacher, policeman, fireman, paramedic, first responder and/or EMT.
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Legacy

This discount can be applied to insureds who are the 2nd (or more) generation of their family to currently carry CFM Insurance. Discount may also be applied to the parents policy as well.
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Millennial

This discount will be applied to any insured 18-35 years old.
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Traditions

This discount is available for CFM’s farm packages and can be applied when an insured is a 2nd (or more) generation farmer.
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Multi-Policy

These discounts can be applied to any insured who currently has automobile and/or crop insurance within the agency.

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