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Your home is perhaps your most
valuable possession. You need the best
coverage available . at a reasonable
price. You also want the flexibility to choose
your options. Farmers offers you the best of
all possible worlds.
Property coverage
Your Farmers Homeowners insurance gives
you the peace of mind knowing your house
and separate structures are covered for almost
any type of damage, except for a few
common exclusions listed in the policy, such
as wear and tear, earth movement,
earthquake, flood and nuclear hazard.
In addition, any attached structures and wallto-
wall carpeting is covered. Separate
structures on your property, other than for
business purposes, such as a detached garage
or toolshed, are covered up to 10 percent of
the amount of coverage on your house.
Higher limits are available for additional
premium.
Personal Property
You,ll rest easy knowing your personal
possessions inside the house are also covered
for up to 55 percent of the amount of
coverage on your house.
Personal property is also covered away from
premises for up to 55 percent of the amount
of coverage on your house anywhere else in
Coverage you need, the options you want
If your personal property is located at a
secondary residence, such as a cabin or vacation
home, your covered up to $1,000 or 10 percent of
the on premises coverage, whichever is greater. Like
your property coverage, optional higher limits are
also available for your personal property.
Personal property damages
While your house is covered for most types of
damages, your personal property is covered for
damages resulting from:
- Fire or lightning, windstorm or hail
- Explosion
- Riot or civil commotion
- Aircraft or vehicles
- Smoke, if sudden and accidental
- Vandalism or theft
- Falling objects
- Weight of ice, snow or sleet
- Water or steam . accidentally discharged from a
plumbing system or appliance
- Sudden and accidental bulging, cracking, rupture
or burning of steam or hot-water heating systems
and water heaters
- Sudden and accidental damage from artificially
generated electrical current*
- Freezing of a plumbing, heating, air conditioning
system or household appliance
*Loss to transistors or similar electronic components not included.
Loss of Use/Additional coverages
If you can't live in your house after a covered loss, we
cover the additional cost of living in hotels, buying
meals, etc. Your coverage pays up to 30 percent of
the amount of insurance on your house as an
additional coverage with no deductible. In addition,
you will be reimbursed for any loss of rents that result
from that portion of your house/property rented to
others being unlivable. We also pay up to an additional
5 percent of the amount of coverage on your house
and no more than $500 per item to replace trees,
shrubs, plants and lawns for a loss by fire or
lightning, explosion, riot or civil commotion,
aircraft, vehicles not owned or operated by
residents, vandalism and theft.
Personal Liability coverage
As a homeowner, you want to feel secure from
threat of liability damages. Your Farmers coverage
pays the for bodily injuries to other people, or
damage to their property, if you are liable,
resulting from:
- The use of your premises, including swimming
pools, if it.s a one- or two-unit family dwelling
- Other residential property you use as a rental, if
you choose to add it
- The acts of your pets
- Unintentional acts committed by you or qualified
family members, either on or off your premises
Pays for medical payments for other people injured
on your premises, regardless of liability, up to
certain limits stated on your policy
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