All About Home Insurance
Your house, including any attached structures and wall to wall carpeting is covered. Our built in value protection feature adjust your policy limit base on current construction cost so there is no worry about inflation.
Farmers Policy Types
The Special Form Homeowners Package Policy covers the dwelling, separate structures and loss of use on an accidental direct physical loss basis and the personal property on a named-peril basis. The named perils include such perils as fire, extended coverage, broad form and theft. In addition, this policy protects you and your family member against damage for which you are legally responsible, arising from bodily injury or property damage.
The Protector Plus and Townhouse Protector Plus Policies protect against identical perils as the Special Form adds many additional coverages.
The Broad Form Renters Package Policy covers the renter's personal property and building additions and alterations and loss of use on named-peril basis. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage.
The Townhouse and Condominium Owner Package Policy covers the dwelling and separate structures on any accidental direct physical loss basis and personal property on a named-peril basis. Loss of Use is covered on an accidental direct physical for Townhouse and on a named peril-basis for Condominium. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage.
Renters
and Condominium Insurance
Apartments and Condominium Associations generally carry insurance that covers
the building. You need insurance to cover your own possessions. Renters and
Condo insurance policies covers your personal property, including: furniture,
clothing, drapes, and decorations, appliances, etc. In additions to property
coverage to protect you if someone is injured due to your negligence.
Farmers Homeowners
Plus
Covering the things that make your
house a home.
As you know, it doesn't take a fire or theft to disrupt the inner working
of your home. In fact, it's usually the little things that cause the biggest
headaches. Which is why we are introducing Farmers Homeowners Plus, an in-home
insurance policy designed to keep your home running smoothly. It picks up
where your homeowners leaves off, covering major components, from the wiring
in your walls to the washer and dryer in your basement.
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