Why do I need Homeowners Insurance?
For most of us, our home is the single biggest asset we will invest in. Homeowners insurance provides coverage for your personal belongings, coverage for damages to the structure of your property, and liability coverage which pays for bodily injuries and property damage to other people if you are liable..
Types of Homeowners Insurance Coverages
At Farmers, we understand that your home is perhaps your most valuable possession. That's why we work hard to provide you the best coverage, tailored to your needs, at a reasonable price. Typically, a Farmers Homeowners Insurance policy provides the following coverages. If you have any questions, please contact your local Farmers agent.
Property
With your Farmers Homeowners coverage, your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in your policy, such as wear and tear, flood, nuclear hazards and earthquakes.
Personal Property
Your policy covers your on-premises personal property, subject to the policy provisions. Your personal property is protected anywhere in the world - if your clothes are stolen while on vacation, you're covered.
Typically, your personal property is covered for damages resulting from the following:
Fire of lightning
Windstorm or hail
Explosions
Riots or civil commotion
Falling objects
Aircraft and vehicles
Sudden or accidental smoke damage
Vandalism or malicious mischief
Theft
Sudden and accidental discharge of water or steam from plumbing system or appliances
Building collapses
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:
Use of your premise, including swimming pools
The acts of your pets
Unintentional acts by you or a qualified family member
Also, this coverage pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.
Optional Coverage
These coverages are not part of your homeowners policy. They can be added to provide coverage above what your homeowners policy typically provides.
Personal Articles Floater
Personal Umbrella Coverage
Flood Insurance
Contact Melissa at 913-681-6565 for details!
