Farmers-affiliated insurers Truck Insurance Exchange and Mid-Century Insurance Company have filed a new Landlord 5.0 insurance program in Oregon, introducing a broad suite of new forms, endorsements, and optional coverages for landlord properties. The filing was submitted on June 3, 2026, with a requested effective date of October 17, 2026.

Under the filing, Truck Insurance Exchange will serve Farmers’ exclusive agent distribution channel, while Mid-Century Insurance Company will be used for the company’s direct channel. The Reciprocal Provisions Endorsement (D7721) applies only to Truck Insurance Exchange policies and is not applicable to Mid-Century Insurance Company.

The filing includes new Dwelling Fire One and Dwelling Fire Three landlord policy forms, along with dozens of endorsements covering areas such as cyber services, identity fraud expense, utility line coverage, water backup and sump overflow, equipment breakdown, earthquake coverage, claim forgiveness, declining deductibles, FORTIFIED roof upgrades, HOA loss payment coverage, and extended replacement cost options.

Sample policy materials included in the filing show coverage options for dwelling, personal property, loss of rents, premises liability, utility line protection, water backup coverage, cyber services, and identity fraud assistance. Optional endorsements also address risks such as vacant properties, animal liability, swimming pools, trampolines, roof damage, and wind or hail losses.

The utility line endorsement provides coverage for underground utility piping and wiring damaged by causes such as wear and tear, corrosion, mechanical breakdown, collapse, or freezing, with limits that can also fund environmentally friendly repairs and replacements. The filing also introduces cyber-related services that include credit monitoring, dark web monitoring, identity theft advocacy services, and document replacement assistance.

According to the filing memorandum, the submission represents a new program forms filing for Farmers’ Landlord Program in Oregon. The filing remains under review by state regulators.