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You've
worked hard to earn the finer things in life, and your home is the
ultimate statement of your success. So it's understandable that you want
the best insurance coverage - Farmers Protector Plus Homeowner Package.
Protector Plus offers coverage you won't find in
traditional Homeowner policies. It also offers higher limits on a wide
range of personal property, including securities, manuscripts, watercraft
and trailers. Even your valuable stamp collection!
Extra property coverage
With Farmers Protector Plus Homeowner Package, you 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,
flood, nuclear hazard, and earthquakes.
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.
Even separate structures on your property, such as a detached garage or
tool shed, are covered up to 10 percent of the coverage of your home.
Separate structures used for business purposes are not covered in the
basic policy, but my be insured for an 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 $1,000 or 10 percent of the on-premises
coverage, whichever is greater.
Your personal property is covered for damages resulting from:
- Volcanic action
- Bulging, cracking, and burning of steam or hot water heating systems
and water heaters
- Artificially generated electrical current (this does not include
loss to tubes, transistors or similar electronic components)
- Freeing of plumbing, heating, air conditioning system, appliance
- Theft
- Vandalism
- Smoke, if sudden and accidental
- Sudden and accidental discharge of water or steam from plumbing,
heating, or air-conditioning system, or household appliance
- Fire or lightning
- Windstorm or hail
- Explosion
- Glass breakage
- Falling objects
- Collapse of building
- Vehicles
- Weight of ice, snow, or sleet
- Riot or civil commotion
- Aircraft
Additional
coverages
Loss of use
Your coverage pays the additional costs of living in hotels, eating in
restaurants, etc., while your living quarters are uninhabitable due to an
insured loss. It also pays up to 20 percent of the amount of coverage on
your personal property with no deductible.
Improvements, alterations and additions
We cover improvements, alterations, and additions to rented property, up
to 10 percent of the amount of coverage on your personal property.
Personal property away from home
This coverage applies to your personal property anywhere in the world.
However, if your personal property is located at a secondary residence,
such as a vacation home, the policy pays up to $1,000 or 10 percent of the
amount of coverage provided under Personal Property coverage.
Liability
Your coverage 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, either on or off your premises
All medical payments for other people injured in your premises,
regardless of your liability, will be paid up to the limits you
determine.
Additional coverages
- Emergency first aid pays expenses you
incur for necessary medical and surgical 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.
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 expense you incur at Farmers' request,
including up to $60 a day for actual loss of wages are covered
- Farmers also pays the premium on appeal
bonds and bonds to release attachments
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