Home Insurance

Home insurance helps protect one of your most important investments—your home. Homeowners can explore coverage options designed to help protect their property, belongings, and financial future from unexpected events like fire, storms, theft, and more.

A typical homeowners policy can include several types of protection that work together to safeguard your home and what’s inside it. Common coverage options may include:

• Dwelling Coverage – Helps pay for repairs or rebuilding if your home is damaged by covered events like fire, wind, or hail.

• Personal Property Coverage – Helps repair or replace belongings such as furniture, electronics, and clothing if they’re stolen or damaged.

• Liability Protection – Helps cover costs if someone is injured on your property or if you accidentally damage someone else’s property.

• Additional Living Expenses – Helps pay for temporary housing and related costs if your home becomes uninhabitable after a covered loss.

Auto Insurance

Auto insurance helps protect you financially if you’re involved in an accident, your vehicle is damaged, or someone is injured. At the Farmers Insurance agency of Peter Borghetti in Hatboro, Pennsylvania, drivers can explore coverage options designed to fit their vehicle, driving habits, and budget—so they can feel confident every time they get behind the wheel.

A well-designed auto policy can include several types of protection to help cover the unexpected. Common coverage options include:

• Liability Coverage – Helps pay for injuries or property damage you may cause to others in an accident.

• Collision Coverage – Helps cover repairs to your vehicle after a collision with another vehicle or object.

• Comprehensive Coverage – Protection for non-collision incidents like theft, vandalism, weather damage, or falling objects.

• Uninsured / Underinsured Motorist Coverage – Helps protect you if you’re involved in an accident with a driver who has little or no insurance.

• Medical Payments Coverage – Helps cover medical expenses for you or your passengers after an accident.

Life Insurance

Life insurance can help provide financial security for the people who depend on you. Whether you’re planning for the future, covering major expenses, or helping provide income protection for your family, the right policy can offer peace of mind.

Life insurance policies generally fall into two main categories—term life and permanent life insurance—each designed to meet different needs and stages of life. Term policies provide coverage for a specific period of time, while permanent options like whole or universal life insurance can provide lifelong protection as long as premiums are paid.

Common life insurance options may include:

• Term Life Insurance – Affordable coverage for a set period, such as 10, 20, or 30 years.

• Whole Life Insurance – Lifetime coverage with fixed premiums and potential cash value growth.

• Universal Life Insurance – Flexible permanent coverage that allows adjustments to premiums or benefits over time.

• Coverage for Final Expenses or Income Protection – Helps loved ones cover funeral costs, debts, or daily living expenses.

Renters Insurance

Your landlord likely carries an insurance policy to protect the building, but that policy usually doesn’t cover your personal belongings. If a fire, theft, or other unexpected event occurs, you could be left paying out of pocket for your furniture, electronics, clothing, and other valuables. That’s where renters insurance comes in—it’s designed to help protect the things that matter most to you.

Renters insurance can provide coverage for your personal property, as well as liability protection if someone is injured while visiting your home. It can also help cover additional living expenses if your rental becomes temporarily uninhabitable due to a covered loss. With flexible coverage options, you can tailor a policy to fit your needs and budget.

Business Insurance

Running a business comes with its own set of risks—and the right insurance can help protect what you’ve worked so hard to build. At the Farmers Insurance agency of Peter Borghetti in Hatboro, Pennsylvania, business owners can explore customized commercial insurance options tailored to their industry and unique needs. From protecting physical assets to covering liability risks, having the right coverage in place can provide peace of mind and help keep your business moving forward.

Business insurance policies from Farmers are designed to help you manage everyday exposures as well as unexpected challenges. Core coverages commonly available include:

• General Liability Insurance – Helps cover legal costs, medical expenses, and property damage if someone is injured on your business premises or due to your operations.

• Commercial Property Insurance – Protects your buildings, inventory, equipment, and other physical assets from things like fire, theft, or weather damage.

• Business Owners Policy (BOP) – A bundled option that combines essential property and liability coverage into one convenient package for many small and mid‑size businesses.

• Commercial Auto Insurance – Coverage for vehicles used in your business, whether you’re making deliveries or transporting equipment.

• Workers’ Compensation – Helps provide medical and wage benefits for employees who are injured on the job, as required in most states.

• Umbrella & Specialty Coverages – Additional layers of protection and industry‑specific options to help address risks unique to your business.

Condo Insurance

Your condo is more than just a place you call home—it’s a valuable investment filled with belongings you want to protect. Condo insurance can help cover your personal property against theft, fire, or other unexpected events, while also providing liability protection if someone is injured in your home. It can even help with additional living expenses if your condo becomes temporarily uninhabitable due to a covered loss.

Getting a quote is a simple way to see how affordable it can be to safeguard your home and possessions. Your local Farmers® agent can help you explore coverage options, find every available discount, and guide you in choosing a policy that fits your needs. With the right condo insurance, you can enjoy your home with confidence, knowing you’re protected against life’s uncertainties.