Coverage you need, the options you want
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. We have the expertise to get you back where you belong in the event of an unfortunate incident.
Property coverage
Farmers Homeowners insurance gives you peace of mind. Your house and separate structures are covered for almost every type of damage, except for common exclusions such as wear and tear, earth movement, earthquake, flood and nuclear hazard.
In addition, attached structures and wall-to-wall carpeting is covered. Separate structures on your property, other than those used for business purposes (such as a detached garage or toolshed), are covered up to 10 percent of the coverage on your house. Higher limits are available for additional premium.
Personal property
You'll rest easy knowing that your personal possessions inside are also covered for up to 55 percent of the amount of coverage on your home. Personal property away from the premises is also covered for up to 55 percent of the amount of coverage on your house anywhere else in the world. If your personal property is at a secondary residence, such as a cabin or vacation home, you are covered up to $1,000 or 10 percent of the on-premises coverage, whichever is greater. Optional higher limits are also available.
Personal property damages
While your house is covered for most types of damages, your personal property is covered for damages resulting from:
- Fire, 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 or 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, 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 resulting 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 overage 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
As a homeowner, you want to fell secure from the threat of liability damages. Your Farmers coverage pays 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
The coverage also pays medical payments for other people injured on your premises, regardless of liability, up to certain limits.
Expenses
Your coverage also includes expenses in a suit we defend on your behalf, such as court costs and attorney, investigator and witnesses fees. It also pays expenses you incur at Farmers’ request, including up to $60 a day for actual loss of wages as well as the premium on appeal bonds, bonds to release attachments, and bail bonds.
Emergency first aid
All expenses you incur for necessary medical aid to other people at the time of an accident are covered by the policy.
Damage to property of others
You are also covered up to $500 per loss for damage to the property of others caused by a qualified family member, even if not legally liable. |
