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Landlord Insurance

Coverages:

Additional Coverages:

Discounts:

Property Coverage
Your house and any separate structures used principally as a private rental residence are covered for almost any type of damage. The exceptions, such as wear and tear, earth movement (including earthquake), flood, and nuclear hazard, are listed in your coverage

If you house is rented to others, all attached structures and wall-to-wall carpeting is covered up to the limit you select. Separate structures on your rental property, such as a detached garage or toolshed, are covered up to 10 percent of the amount of coverage on your rental dwelling. Optional higher amounts are available.

Separate structures used for manufacturing, commercial or farming purposes are not covered by this policy.

Personal Property
Your personal property is covered for up to 5 percent of the amount of coverage on your rental dwelling. Optional higher amounts of coverage are also available.

Your personal property at the rental dwelling is covered for a loss caused by the following:

• Fire or lightning
• Windstorms or hail
• Explosions
• Riot or civil commotion
• Falling objects
• Aircraft and Vehicles
• Sudden and accidental smoke damage
• Sudden and accidental discharge of water or steam from plumbing system or appliances
• Vandalism
• Burglary Weight of ice, snow or sleet
• Damage resulting from sudden and accidental 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 domestic appliance

Liability Coverage
Your liability coverage includes expenses in a suit we defend on your behalf, including court costs, attorney fees, investigator fees, expense of witnesses and witness fees. Also any expenses you incur at Farmers’ request, including up to $60 a day for actual loss of wages are covered. In addition, this policy pays the premium on appeal bonds, bonds to release attachments, and the cost of bail bonds.

Loss of Rents
If you experience a loss of rents due to your property being unlivable as a result of a covered disaster, you will be reimbursed for those losses. We pay for the shortest time needed to make the rental livable – up to 12 months.

Fire Department Service Charge
Your coverage pays up to $500 on top of your other coverage, with no deductible, for service charges made by a fire department.

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.

Debris Removal
You are also covered up to an additional 5 percent of the amount of coverage on the residence premises for reasonable debris removal expenses following a covered loss.

New Home Discount
If your house was constructed within the past eight years, you qualify for a New Homes Discount. The actual discount depends on the actual age of your house.