Whether it’s a house, condo or apartment, home is your haven. It’s where memories are made, children raised, meals shared and where you’re the most comfortable and able to be yourself. No matter where you hang your hat, we have coverage that fits your lifestyle.


  • Home

    Purchasing a home is probably the largest investment you’ll make in your lifetime.

    Protect your home from the unexpected events life throws your way. Instead of the one-size-fits-all policy that some other carriers have, Germania offers the flexibility to customize a policy to fit your individual needs.

  • Condo & Townhouse

    For peace of mind, your condo or townhome should be insured from unplanned disasters.

    We offer condo owners protection for the interior of your unit from covered losses such as fire, smoke and theft. If you’re a townhouse owner who owns the exterior and interior of the unit as well as the patio, balconies and any outdoor areas, we offer different levels of protection from covered losses. Also consider liability insurance, to protect you from legal fees, investigative costs and damage awards, up to the policy limits if you’re found legally liable for an incident on or off your property.

  • Renters

    Just because you don’t own your home doesn’t mean it’s not filled with valuable items that you want to protect.

    Your landlord’s insurance won’t protect your personal belongings from damage or theft. Renter’s insurance covers your belongings - from clothing and electronics to furniture and appliances. Our policies include additional living expense coverage in case your rental is uninhabitable due to a covered loss.

  • Rural Property Insurance

    If you own a rural home on acreage, a small farm or ranch, or a barndominium with a few livestock, we can help you protect your investment and customize a policy to the size of property and how you use the land.

    You also might require some specific coverage in your insurance policy. A general rule of thumb: Tractors and other farm equipment and outbuildings like barns, storage sheds or maintenance buildings typically require separate coverage. You also have special risks and might want to consider liability insurance. A Germania Farm Liability policy will protect your assets from claims that result from bodily injury and property damage to others. It will also pay attorney’s fees and other legal expenses incurred in your defense.

    Examples of what Farm Liability Policies cover:

    • Worldwide coverage. You’re protected from covered liability that occurs anywhere in the world.
    • Livestock showing.
    • Selling farm products you produce from a roadside stand on your farm property.
    • Renting or leasing your property to others for recreational activities, including hunting or fishing.
  • Tenant-Occupied

    Being a landlord comes with a lot of responsibilities, one of which is making sure you have the proper insurance coverage for your tenant-occupied properties.

    You've got a lot invested in your rental property. Not just your money, but your time. And since ordinary condo unit owners or a homeowners policy won't cover you, you should consider the specific protection. Our insurance policies are tailored to protect your valuable property, shield you from liability claims and even provide lost rental income if your property is too damaged to rent due to a covered loss. When you’re confident you have the coverage you need, you can focus on those little moments that matter.

  • Boat Insurance

    Boats and personal watercraft are big purchases, but if you love being on the water, you know they’re worth it.

    Insure your boat against damage and loss caused by risks like storms, sinking, theft, fire or collision. From fishing boats and sailboats to pontoon boats and ski-surf boats or other types of recreational boats, our protection includes your boat, motor and trailer.Boat insurance provides coverage for physical damage to your boat, motor and trailer as well as liability coverage for injuries or property damage caused by individuals operating the boat. The property insurance usually covers the boat hull, boat motor(s), described boat equipment and the boat trailer if requested.

  • Umbrella Liability Insurance

    You’ve worked hard for what you have. Don’t let it be taken away. In the event of a lawsuit, your current coverage may not be enough.

    Protect yourself and your future assets with umbrella insurance, an extra layer of liability protection that supplements your personal or farm liability insurance. You might be thinking, "I have auto and property insurance that covers some of these situations." True! But, umbrella insurance insures you above and beyond the limits of those policies and covers some situations that aren't covered by the other types of policies (and rates are less than you think).

Save money 

You might be eligible for one or more of our money-saving discounts:

  • Companion Policy Discount: 15%
  • Claims Free Discount: Up to 10%
  • Alarm Credits