Your home is like no other. And Farmers homeowners policies were designed with homeowners like you in mind, offering the
coverages you want that may help you with your peace of mind. Your house, personal property and separate structures (such as a
detached garage) are covered for many of the everyday risks you face as a homeowner.
In addition, as a Farmers customer you have access to HelpPoint®, a unique claims service that has been recognized by JD Power
three years in a row for providing an "outstanding customer service experience." You can call HelpPoint for immediate assistance,
24/7, free of charge.
Best of all, you get a Farmers agent who is personal, local, and knowledgeable. This professional can answer your questions about the
policy and its coverages, discounts you may qualify for and deductibles you may choose. Most importantly, your Farmers agent can
help you in your selection of coverages that fits your needs.
Farmers also offers other home products as well:
coverages you want that may help you with your peace of mind. Your house, personal property and separate structures (such as a
detached garage) are covered for many of the everyday risks you face as a homeowner.
In addition, as a Farmers customer you have access to HelpPoint®, a unique claims service that has been recognized by JD Power
three years in a row for providing an "outstanding customer service experience." You can call HelpPoint for immediate assistance,
24/7, free of charge.
Best of all, you get a Farmers agent who is personal, local, and knowledgeable. This professional can answer your questions about the
policy and its coverages, discounts you may qualify for and deductibles you may choose. Most importantly, your Farmers agent can
help you in your selection of coverages that fits your needs.
Farmers also offers other home products as well:
| Discounts Available Auto Home New Home Home Life Home Renovation Protective Devices Business and Professional Home Safety |
A Farmers Personal Umbrella policy gives you the security and peace of mind you need to enjoy life's pleasures. The Farmers Personal
Umbrella can add to your security with:
The Personal Umbrella policy provides two types of liability coverage:
Umbrella can add to your security with:
- Additional liability insurance, over the limits of your Auto, Homeowners, Recreational Vehicle or Boat Liability policy limits.
- Coverage for certain types of unexpected exposures (e.g. defamation of character, invasion of privacy, libel, slander) that might
not be covered by your current policies (some exclusions apply). - Coverage for legal costs, including legal representation, court costs, interest on judgments and premiums on necessary bonds.
The Personal Umbrella policy provides two types of liability coverage:
- Vertical - Excess liability protection insurance for catastrophic losses. Coverage is stacked on top of the underlying coverage to
provide total limits to the sum of both. - Horizontal - Coverage for unknown, unexpected, and therefore uninsured losses (subject to policy exclusions). Fills coverage
gaps left by certain exclusions on the basic underlying policies.
Landlord protector package will provide coverage from one to four family homes, including coverage for the dwelling, separate
structures, landlords personal property, and liability as a result of owning and leasing the dwelling.
Your personal property at the rental dwelling is covered for a loss caused by the following:
structures, landlords personal property, and liability as a result of owning and leasing the dwelling.
- Coverage for one to four family homes and mobile homes.
- Coverage provided for:
- Dwelling
- Separate structures
- Landlord's personal property
- Liability as a result of owning and leasing a dwelling
Your personal property at the rental dwelling is covered for a loss caused by the following:
- Burglary
- Vandalism
- Smoke, if sudden and accidental
- Sudden and accidental discharge of water or steam from plumbing, heating or air conditioning system, or household appliance
- Fire or lightning
- Wind storm or hail
- Explosion
- Falling objects
- Vehicles
- Weight of ice, snow, sleet
- Riot or civil commotion
- Aircraft
- Freezing of domestic appliance
Home
Personal Umbrella
Landlord Protector
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