Why do I need homeowners insurance?
Protect your Home, Protect your belongings, and Protect the assets you’ve worked so hard for! For a quote, click here.
- Dwellings and other structures - For most
of us, our home is the single, largest investment we will make. Homeowners
insurance provides coverage for damage to your home and other structures on
your property such as a shed or detached garage.
- Personal Property - Homeowners insurance
also provides coverage for your household contents and personal belongings.
You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR
and CD player aren't worth a lot but those items all add up.
- Personal Liability - Finally, in the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner policy provides liability and personal property insurance to financially protect you should this ever occur.
New Farmers Next Generation Homeowner Policy
protects against Identify Theft and Fraud for your whole family.
It even offers 125% replacement cost of the limits to offset the gradual increase of construction costs.
It is more affordable and you can save huge. Click on the following City to check estimates:
Oakland 94601 Oakland 94606 Oakland 94607
Oakland 94608 Oakland 94609 Oakland 94610
Berkeley 94702 Berkeley 94703 Berkeley 94704
Albany 94706 Alameda 94501 Emeryville 94608
San Lorenzo 94580 San Leandro 94579
Vallejo 94590 Fremont 94539 Hayward 94541
Enjoy the benefits of Homeowner’s liability insurance even if you rent or own a condominium. If you rent or own a condominium, you still need coverage for your household contents and personal belongings and personal liability. There are specific policies designed for those who rent or own condominiums.
Renters Insurance
Why do I need renters insurance?
Your landlord carries insurance should a loss occur. Unfortunately, your landlord's policy probably won't cover your personal belongings for the same loss. The Farmers Renters Package fills this gap with the coverage necessary to replace your lost or damaged items.
Benefits
These are some types of losses for which your personal property is covered:
- Theft
- Vandalism
- Smoke, if sudden and accidental
- Sudden and accidental discharge of water or steam from plumbing, heating or air conditioning system, or household appliances
- 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.
Personal Liability Coverage
This coverage gives you and your family living at your premise up to $500,000, 24-hour-a-day liability protection against claims caused by almost any unintentional act, including:
- The acts of your pets
- Unintentional acts committed by you or qualified family members, either on or off your premises
We cover reasonable medical payments for other people inured on your premises, regardless of liability, up to certain limits stated on your policy.
Necessary expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages are also covered.
Farmers Renters Package policy even pays the premium on appeal bonds, bonds to release attachments and the cost of bail bonds.
Emergency First Aid
Your coverage 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
We'll even pay replacement cost up to $500 per loss for damage to property of others caused by a qualified family member where you are not legally liable.
All these coverage for as low as $7 per month!
Condominium Insurance
Why do I need Condominium or Townhouse insurance?
Your Homeowners Association carries insurance should a loss occur. Unfortunately, the association policy probably won't cover your personal belongings for the same loss. The Farmers Condominium Owners Insurance Package fills this gap with the coverage necessary to replace your lost or damaged items.
Benefits
These are some types of losses for which your personal property is covered:
- Theft
- Vandalism
- Smoke, if sudden and accidental
- Sudden and accidental discharge of water or steam from plumbing, heating or air conditioning system, or household appliances
- 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 Coverage:
- Loss assessment - You'll receive up to $1,500 for an assessment arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Up to $50,000 is available, depending on your policy.
- 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 $2,000 or 10 percent of the amount of coverage on your personal property. You may also arrange higher limits.
- 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.
Personal Liability Coverage
This coverage gives you and your family living at your premise up to $1 million 24-hour-a-day liability protection against claims caused by almost any unintentional act, including:
- The acts of your pets
- Unintentional acts committed by you or qualified family members, either on or off your premises
Legal Expenses
Your are covered for expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees as well as the premium on appeal bonds, and bonds to release attachments.
Your coverage also pays any necessary expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages.
Emergency first aid
Your coverage 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
We'll even pay replacement cost up to $500 per loss for damage to property of others caused by a qualified family member where you are not legally liable.
All these coverage for as low as $4 per month!