Coverage for homeowners, condo owners, renters, and landlords.
Property: Coverage for many types of damage and for many causes of loss or damage to your home and separate structures, such as detached garage. Your home or condo should be insured for what it would cost to reconstruct it TODAY.
Building Property: Condo associations all have different policies. If you need to cover studs in or upgrades building property covers anything attached to the building such as wall coverings, flooring, fixtures, etc.
Personal Property: Covers your personal property (clothes, computers, dishes, furniture, etc) for the cost of repair or replacement without deductible for depreciation. Property is covered anywhere in the world.
Optional Personal Property Coverage: Riders for high dollar items such as jewelry or artwork is available. Scheduled (appraisal required) and unscheduled coverage is available.
Loss of Use: Covers additional living expenses if a covered loss makes your home (condo or rental unit) uninhabitable.
Personal Liability: Pays when you are legally liable for someone else’s bodily injury or property damage resulting from an accident, negligent acts by you or a qualified household member (on or off premises) and the acts of your pets. IE: Skiing accident. Includes cost to settle claim or defend lawsuits.
Medical Expenses to others: Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.
Landlord Policy Coverage: Loss of rents covers lost rental income if a covered loss makes your rental dwelling unfit to live in. Business Liability pays when you are legally liable for bodily injury, personal injury or property damage arising out of ownership, maintenance or use of your rental dwelling.
Other Coverage: Several other coverages such as Identity Theft, association loss assessment, sewer drain and Building Ordinance are available.
Most people have some form of insurance. However, many do not have a clear understanding of the coverage or policy options. Here is a general description of some auto coverages.
Bodily Injury and Property Damage: Pays for bodily injuries to other people or damage to their property if you are liable. Includes costs to defend claims and/or lawsuits. Any injuries or damages above your insurance limits comes out of your pocket, so understanding what the limits should be on this most important coverage is vital.
Uninsured/Underinsured Motorist: Covers bodily injuries to you, qualified family members and any other person occupying your covered auto, caused by an uninsured motorist or a hit-and-run driver. Coverage applies if a motorist does not have adequate coverage to pay for your injuries as a result of an accident. Property damage to your vehicle is not a part of this coverage. If you do not have collision coverage Uninsured Motorist Property Damage is available for additional fees.
Medical Expenses: Covers necessary treatment arising from an auto accident, regardless of fault, for your passengers.
Collision: Covers accidental damage to your car caused by events other than collision, less the deductible you select. Ask us about some ways to save money with your deductible choices!
Comprehensive: Pays for damage to your car caused by events other than collision, less the deductible you select. Includes damage from causes such as fire, vandalism, windstorm, falling objects, animals, water or flood and theft.
Glass Deductible Buyback: Pays for repairs to your auto glass. If replacement is necessary you pay to $100 deductible and Farmers takes care of the rest.
Towing and Road Side Service: Roadside assistance benefits include emergency towing, fuel delivery, flat tire change, lockout entry assistance, roadside winching and more. Extremely affordable too!
Other Coverage: Several other coverages are available such as accident forgiveness. Loss of use and new car gap coverage! Ask us about these additional coverage.
A Farmers policy can provide coverage for
Property Insurance: can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.
Liability Insurance: can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.
Business Crime Insurance: can protect against fraud, theft, forgery or robbery.
Business Income Coverage: (also known as Business Interruption Insurance) allows you to continue to receive income while your business is being restored. It not only helps you to cover expenses needed to keep a business operating after a loss, but it also helps you toreplace lost revenue.
Cyber Liability: and Data Breach provides coverage for privacy breach response services and expenses incurred to notify parties affected by a security breach, including fees and costs related to hiring a company to operate a call center, and reimbursing you for post-event credit monitoring costs for victims of breach.
Tailor your coverage with these additional insurance endorsements, coverages and policies
Life Insurance for Business Owners
Business Auto Insurance
Ordinance or Law
Employee Benefits Liability
Hired and/or Non-owned Auto
Backup of Sewers and Drain
Odds that you will hit a royal flush playing poker: 1 in 649,740
Odds that you will die and could use life insurance: 1 in 1
The very best life insurance policy is the one that provides for your loves ones when you no longer can!
Term Life Insurance: Is like renting a home. You pay premiums for a fixed number of years and if you die within those years you receive the face amount of the life insurance. Term policies do not build cash value (equity) for living benefits. Ask us to learn more. Following are some of Farmers’ term policies:
Simple Term: This policy can issue the same day with very little underwriting. No medical exam is required. Some simple term policies may be converted to permanent.
Level Term: Guaranteed level premiums for terms of 10,20 or 30 years. These require a medical exam upon issuance but can be converted (traded in) to permanent policies before age 65 without further underwriting.
Permanent Life Insurance: Is like owning a home. It belongs to you and it grows equity. The equity in your policy can grow to more than the premiums you paid in and you can borrow against the cash value or use it to supplement your retirement. A permanent policy gives your lifetime protection. Ask us to learn more! Below are some Permanent policies we offer:
Simple Whole Life: Simplified underwriting process, no medical exam, level death benefit and guaranteed cash values.
Whole Life: Level premiums guaranteed over the life of the policy, a level death benefit and guaranteed cash values and non-guaranteed excess credits can significantly increase values.
Universal Life: This policy combines the advantage of permanent protection and competitive cash value accumulation with the flexibility to adjust the time and amount of premiums, and the type of death benefit. You can raise and lower your premium based on your economic need.