Home Insurance Personal insurance Homeowners Insurance

Homeowners Insurance

Coverages

Additional Coverages

Discounts

Property Coverage
With your Homeowners Insurance, your house and separate structures are covered for a wide range of damage except for the common exclusions listed in your policy such as wear and tear, earth movement, floods, nuclear hazards, and earthquakes.

In addition, your house and any attached structures, including wall-to-wall carpeting, are covered up to 125 percent of the limit you select. Our Built-in Value Protection Feature adjusts your policy limit based on current construction costs so there is no worry about inflation. A code upgrade endorsement is available for an additional charge.

Other structures on your property, such as a detached garage or tool shed, are covered up to 10 percent of the amount of coverage on your home. Separate structures used for business purposes are not covered in the basic policy, but may be insured for additional premium.

Personal Property
Your policy covers your personal property, anywhere in the world, for up to 75 percent of the amount of coverage on your home. However, if your personal property is located at a secondary residence, such as a vacation home, the policy pays up to $1000 or 10 percent of the non-premises coverage, whichever is greater.

Your personal property is covered for damages resulting from the following:

• Fire or lightning
• Windstorms or hail
• Explosions Damage to glass
• Riot or civil commotion
• Falling objects
• Aircraft and Vehicles
• Volcanic action
• Sudden and accidental smoke damage
• Sudden and accidental discharge of water or steam from plumbing system or appliances
• Vandalism
• Theft
• Weight of ice, snow or sleet
• Bulging, crackling, and burning of steam or hot water heating
systems and water heaters
• Sudden and accidental discharge of water or steam from plumbing system or appliances
• Artificially generated electrical current (this does not include loss to tubes, transistors or similar electronic components)
• Freezing of plumbing, heating, air conditioning systems, appliance

Personal Liability
Your coverage pays for bodily injuries to other people or damage to their property if you are liable, when the damage is caused by the following:

• The use of your premises, including swimming pools.
• The acts of your pets
• Unintentional acts committed by you or qualified family members, either on or off your premises.

All medical payments for other people injured on your premises, regardless of your liability, will be paid up to the limits you determine.

Additional Liability Coverage
Emergency First Aid pays expenses you incur for necessary medical aid to other people at the time of an accident covered by the policy. Damage to Property of Others pays up to $500 for damage to property of others caused by you or your qualified family member when you or they are not legally liable.

Legal Expenses
Your coverage pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees. Any expenses you incur at the insurance companys request, including up to $60 a day for actual loss of wages are covered. The insurance company also pays the premium on appeal bonds and bonds to release attachments.

Additional Living Expenses
If you can't live in your house after a covered loss, we cover your additional cost of living, such as hotels and meals while repairs are made, for up to one year. Your coverage also pays up to 50 percent of the amount of insurance on your house as an additional coverage with no deductible. If the damage caused by a covered loss make is impossible for you to rent a portion of your house, we will cover the loss of rent you incur.

Contents Replacement Cost
This includes the cost of repair or replacement without deduction for depreciation. This additional coverage pays replacement cost if the insured repairs or replaces his or her damaged or destroyed personal property before he or she receives payment. Otherwise, covered losses will be settled at actual cash value, but not more than the policy limit. You pay extra for this policy on other policies, but with Protector Plus it’s provided at no additional charge.

Trees, Shrubs, and Plants
Your coverage pays up to additional 5 percent of the amount of coverage on your house and no more than $500 per item for loss by fire or lightning, explosions, riots or civil commotion, aircraft, vehicles not owned or operated by a family member, vandalism and theft.

Personal Articles Floater
This option is available at an additional cost and extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy.

Mortgage Protection
This plan is available at an additional premium and is designed to eliminate financial risk by providing cash to pay off the mortgage balance or to continue the monthly payments in the event of you or your spouse’s death. This plan is available at an additional premium and is designed to eliminate financial risk by providing cash to pay off the mortgage balance or to continue the monthly payments in the event of you or your spouse’s death.

Non-Smoker Discount
If qualified family members have not smoked tobacco products in the past two years, you can save money with our non-smoker discount.

Protective Devices Discount
Equip your home with one or more safety features, like a working fire or smoke alarm, a burglar alarm, deadbolt locks, a working fire extinguisher, or an automatic sprinkler system and you can take advantage of special discounts.

Auto/ Home Discount
By insuring your auto(s) and home as a package, you may qualify for the Auto/Home discount.

50 Plus Senior Discount
Age has its privileges - you are 50 or more years old, you may qualify for our 50 Plus Senior Discount.

New Homes and Home Renovation Discount
Homes constructed within the past eight years, or with recently renovated plumbing, electrical, and heating/air conditioning systems, may qualify for a discount.

Contact us for more information on Homeowners Insurance, or submit a quote request today.

This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions. Insurance coverage underwritten by Farmers Insurance Group of Companies.