Coverage Unlike Any Other For a Lifestyle Unlike Any Other

Whether it's your vacation home or your primary residence, you want your home on the lake protected. Lakefront homes have unique insurance needs. At Browne & Balazs Agencies, we've crafted a custom policy with specific coverages for lakefront owners like you.

Our Lake Estate® policy keeps you protected from damages to your lakeside home. Our policy gives you the coverages you need to protect your piece of paradise from whatever comes your way.

Your lakefront home is more than where you live. It contains your memories and all the items you’ve worked hard for. A Lake Estate® policy from Farm Bureau is designed to protect cherished assets on and off the water.

Two wooden Adirondack chairs on a dock overlooking a calm lake with lush green trees on the shoreline and a small house in the distance under a partly cloudy sky.

Coverage Unlike Any Other For a Lifestyle Unlike Any Other

Farm Bureau’s Lake Estate® Insurance Policy provides higher limits of many lake-specific coverages that a typical homeowners policy doesn’t cover. From docks to boat hoists to sea walls and more, the Lake Estate® policy is custom-made to meet the needs of lakefront living.

  • Open Perils coverage protects your Dwelling and Other Structures from all risks and damages except those specifically excluded in the policy, with an option to extend Open Perils coverage to Personal Property.

  • Every Lake Estate® policy includes the Select Premier Endorsement, offering increased limits and protections such as Hidden Water Damage, Collapse Due to Hydrostatic Pressure, and more.

    The Lake Estate® policy also delivers essential modern coverages - including Cyber Protection, Home Systems Protection, and Underground Service Line Coverage – to help protect against today’s digital and infrastructure risks.

  • Automatic liability coverage for golf carts – wherever you drive. Enjoy peace of mind with no location restrictions on golf cart use.

  • We offer protection for your valuable possessions, such as boat trailers, boating and fishing equipment, water skis and scuba/snorkeling gear, cameras, electronics, jewelry, fine arts, and more. 

  • As part of your Lake Estate® policy, we provide baseline protection for motorized boats like replacement costs on newer watercrafts, waterside assistance, and uninsured boaters protection. Higher limits are available through our Scheduled Personal Articles Policy.

  • As part of your Lake Estate® policy, we provide protection for non-motorized boats like kayaks, canoes, paddleboats, and more.

  • If someone is injured on or off your property, Personal Liability coverage keeps you protected from potential lawsuits. With your Lake Estate® policy, you’re also protected from boat-related liabilities like fuel spills.

  • Watercraft Liability extends coverage in Personal Liability and Medical Payments for watercraft that is not excluded in the base policy. It also includes coverage for both Uninsured Boaters Coverage and Fuel Spill Liability.