Home Insurance

Your home is probably your biggest financial investment. We'll help you make sure it's properly insured, whether you own or rent a house, condominium, townhouse, mobile home or apartment.

• Homeowners - choose from either our Preferred or Ultra-Preferred policies.
• Condominium or Townhouse Owners - we offer policies tailored to your special needs, including coverage for assessed losses,
• Mobile Homeowners - enjoy carefree mobile home living with Farmers' Mobile Homeowners Insurance.
• Renters - Our Renters Package Policy provides the property protection renters need.
• Personal Umbrella Liability Insurance - goes "over the top" of your auto and family liability policies, giving you and your family $1 million or more in additional protection.

When it comes to protecting your home
...YOUR BEST PROTECTION IS PROTECTION WITH FARMERS FIRE INSURANCE EXCHANGE

PROPERTY COVERED
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, pollution, and foundation settling.

YOUR HOUSE.. .including any attached structures and wall-to-wall carpeting is covered up to the limit you select.

OTHER PRIVATE STRUCTURES.. .on your property, not used for business purposes, such as a detached garage or toolshed, are covered up to 10% of the amount of coverage on your house. Optional higher limits are available for additional cost.

PERSONAL PROPERTY
ON PREMISES... pays up to 50% of the amount of coverage on your house.

AWAY FROM PREMISES... pays up to $1,000 or 10% of the Contents coverage, whichever is greater, for personal property anywhere else in Ihe world. Also covers your personal property if located at a secondary residence, such as a cabin or vacation home.

Theft coverage is in effect only while a qualified family member is residing in the secondary residence.

Optional higher limits are available for additional cost.

DAMAGES
While your house is covered for most types of damages, your Personal Property is covered only for damages resulting from the following:

• Fire and Lightning
• Windstorm, Hurricane and Hail
• Explosion
• Riot and Civil Commotion
• Falling Objects
• Aircraft and Vehicles
• Sudden and Accidental Damage from Smoke
• Vandalism and Malicious Mischief
• Theft
• Collapse of Building
• Water or Steam - accidentally discharged from a plumbing system or appliance
• Freezing of domestic appliances

ADDITIONAL COVERAGES
TREES, SHRUBS, PLANTS, AND LAWNS
Pays up to 5% of the amount of coverage on your house and no more than $250 per item for a loss by Fire and Lightning, Explosion, Riot and Civil Commotion, Aircraft, Vehicles not owned or operated by a family member, Vandalism and Malicious Mischief and Theft.

ADDITIONAL LIVING EXPENSE
If you can't live in your house after a covered loss, we cover the additional cost of living in hotels, meals, etc. Pays up to 20% of the amount of insurance on your house as an additional coverage, with no deductible. Also pays for loss of rents if that portion of your house/properly rented to others is unliveable.

PERSONAL LIABILITY PROTECTION
Pays for bodily injuries to other people, or damage to their property, if you are liable, resulting from:

The use of your premises, if it's a one or two unit family dwelling, including swimming pools. Other residential property you use as a rental can also be added.

The acts of your pets.

Unintentional acts committed by you or qualified family members, while engaged in such activities as hunting, fishing and other sports.

Pays up to $500 for Medical Payments for other people injured on your premises, regardless of liability. Higher limits are available for additional premium.

ADDITIONAL LIABILITY PROTECTION

EXPENSES
Pays expenses in a suit we defend on your behalf such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees.

Also pays reasonable expenses you incur at Farmers' request, other than loss of wages.

Pays the premium on appeal bonds and bonds to release attachments.

EMERGENCY FIRST AID
Pays expenses you incur for necessary medical and surgical aid to other people at the time of a covered accident.

DAMAGE TO PROPERTY OF OTHERS
Pays up to $500 per loss for damage to property of others caused by a qualified family member where you are not legally liable.

PERSONAL ARTICLES FLOATER
(Optional - Available at an additional cost)
Extends protection for your personal articles when their value is higher than the limits stated in the policy. Pays up to the limit of the appraised value or option to repair or replace the article.

MORTGAGE PROTECTION
(Optional - Available at an additional cost)
If you, your spouse or both die, would your family be able to afford to continue living in your house? Our Mortgage Protector plan is designed to eliminate this risk by providing cash to pay off the mortgage balance or to continue the monthly payments.

Underwritten by Farmers New World Life Insurance Company.

CREDITS
(Not available on all policies)

NON-SMOKER CREDIT
If the qualified family members of your household have not smoked tobacco products in the past two years, you can save money with our Non-Smoker Credit.

NEW HOMES/HOME RENOVATION CREDIT
If your house was constructed, or its electrical, plumbing and heating/air conditioning systems have been renovated within the past 6 years, you qualify for the applicable credit. The actual credit depends directly upon the age of your house or renovation.

5O PLUS CREDIT
If you are 50 or more years old. you may qualify for our 50 PLUS credit.

HOME SECURITY CREDIT
To qualify for a credit to your Homeowners policy, you need a working smoke alarm, dead bolts on all exterior doors, including sliding glass doors, and a 2 1/2 Ib or larger CO? fire extinguisher.

AUTO/HOMEOWNERS CREDIT
If you insure your automobile(s) and house with us, you may qualify for this credit.

BOAT/HOMEOWNERS CREDIT
If you insure your boat and home with us, you may qualify for this credit.

This is not a policy contract but a general description. The policy itself should be read for the coverages and exclusions.

The policy deductible applies to all coverages mentioned in the folder unless otherwise stated.