The Farmers Protector Plus
The Farmers Protector Plus policy is tailored to the special needs of those homeowners whose houses qualify. Its basic package contains many coverages offered optionally on other Farmers Insurance Group policies. Protector Plus offers higher limits on a certain personal properties such as securities, manuscripts, bullion, stamps, and passports. And, Protector Plus also covers your jewelry up to $2,500.

PROPERTY

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, flood, nuclear hazard, and earthquake. Your house and any attached structures, including wall-to-wall carpeting, are covered up to the limit you select. 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 amount of coverage on your house.

Personal Property
On premises, pays up to 60 percent of the amount of coverage on your house. Optional higher limits are available. Away from premises, pays whichever is greater: $1,000 or 10 percent of the limit applicable to your personal property.

Damages
While your house is covered for most types of damages, your personal property is covered only for damages resulting from:

• Fire and lightning
• Windstorm, hurricane and hall
• Explosion
• Riot and civil commotion
• Falling objects
• Aircraft and vehicles
• Smoke damage (if sudden and accidental)
• Vandalism and malicious mischief
• Theft
• Sudden and accidental discharge of water or steam from a plumbing system or domestic appliances
• Freezing of domestic appliances
• Collapse of building

Additional Coverages
Pays up to 5 percent of the amount of coverage on your house, for trees, shrubs, plants and lawns, and no more than $250 per item for a loss by fire or lightning, explosion, riot or civil commotion, aircraft, vehicles not owned or operated by a family member, vandalism and malicious mischief and theft.

Contents Replacement Cost extends protection on your personal property to include the cost of repair or replacement without deduction for depreciation.

Loss Of Use If you can't live in your house after a covered loss, we cover the additional cost of living such as hotels and meals, while repairs are made, up to a year. Pays up to 20 percent 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/property, rented to others, is unliveable.

LIABILITY

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, 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 medical payments for other people injured on your premises, regardless of liability.

Additional Liability Coverages
Emergency First Aid pays expenses you incur for necessary medical and surgical aid to other people al the time of an accident covered by the policy.

Damage to Property of Others pays replacement cost up to $500 per loss for damage to property of others caused by you or a qualified family member where you or they are not legally liable.

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.

Pays all reasonable expenses you incur at Farmers' request, including actual loss of earnings up to $50 per day.

Also pays the premium on appeal bonds, bonds to release attachments, and the cost of bail bonds.

OPTIONAL

Personal Articles Floater
(Available at an additional cost)
Extends protection for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in the policy. Pays up to the limit of the appraised value of the article.

Mortgage Protection Life Insurance
Offered by Farmers New World Life Insurance Company (Available at an additional cost)
If you, your spouse or both of you die, would your family be able to afford to continue living in your house?

Farmers Mortgage Protector plans are designed to protect your family by providing cash to pay off the mortgage balance or to continue the monthly payments.

CREDITS

New Homes/Home Renovation Credit
If your home was constructed within the last six years, or the plumbing, electrical, heating and air conditioning systems have been renovated within the same period of time, you may qualify for a credit.

Burglar Alarm Credit
If you have a burglar alarm that alerts either the Police Department or a private security company, you qualify for our Burglar Alarm Credit.

50 Plus Credit
If you are 50 or more years old, you may qualify for our 50 Plus Credit.

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.

Auto/Homeowners Credit
If you insure your auto(s) and home with us, you may qualify for this credit.

This is a general description of the package and is not a policy contract. The policy itself should be read for actual coverages and exclusions. Unless otherwise stated, the policy deductible applies to the coverages mentioned in this folder.