Dwelling Fire Program

West Virginia has it’s share of rental property, and if you are one of the many people that rent residential property to tenants, you realize the work it takes to maintain the dwelling, and know the risks to your investment from fire, lightning, wind and other perils.


Farmers Mutual understands these risks as well, and proudly offers dwelling fire insurance for rental dwellings and homes that may not require a homeowner’s policy.

Our Dwelling Fire Program provides quality coverage at affordable rates. This program insures under a Basic Form or a Broad Form. Our experienced agents can help you determine which form fits the unique needs of your property. It’s as simple as speaking to your Farmers Mutual agent and explaining what type of coverage you are looking for.

Optional coverages are available with this program. You can choose to insure your personal property, other structures on the property, or add liability insurance and medical payments coverage. These optional coverages do require an additional premium.

Farmers Mutual knows that many dwellings have a woodstove installed, and we gladly insure these dwellings, provided the woodstove meets our guidelines.

One and two family dwellings qualify for this program, and hybrid dwellings (a combination of mobile home and a stick built house) qualify as well. However, we do not insure student housing or vacant or unoccupied dwellings. This policy does not cover dwelling maintenance.


When you have an investment like rental dwellings, it is important to know your investment is safely protected. Farmers Mutual Insurance Company has been protecting West Virginians and their property for more than one hundred years, and we take pride in serving our customers. Give yourself the peace of mind that comes from knowing your property is properly protected. See your local Farmers Mutual agent today, and ask how you can protect your investment. Click here to locate an agency near you.

Farmers Mutual Insurance Company has over one hundred years of experience insuring West Virginia residents and their property. We are proud to offer the type and quality of protection our residents need. Speak to your Farmers Mutual agent today, and find out how you can have the peace of mind that comes from being a Farmers Mutual customer. Click here to locate an agency near you.