RENTERS INSURANCE
How Renters Insurance Helps Cover Your Valuables
Imagine for a moment that you've just returned home from a long day at work to find that there has been a fire. Everything you
own has been destroyed: your TV, VCR/DVD, stereo, CDs, dishes, furniture and clothing. Who will pay to replace all of your
belongings? Where will you stay until your apartment is renovated?
A Farmers Renters package could be the answer. And if the unexpected happens, you can count on us to live up to our
promise: Farmers gets you back where you belong. If you suffer a covered loss, we'll reimburse you for lost or damaged items,
and if the loss makes your home uninhabitable, we'll also pay the additional cost of hotel, meals and related expenses.
While Renters insurance can't prevent a fire or similar loss from occurring, it can bring you back to where you were prior to the
loss.
Provides Coverage When Your Landlord or Property Management Company Doesn't
Your landlord or management company carries insurance for losses that may occur. Unfortunately, their policy won't cover your
personal belongings. Our Renters insurance package fills in this gap with the coverage necessary to replace your lost or
damaged items.
BENEFITS
Covered Losses
These are some of the 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
appliance
*Fire or lightning
*Windstorm or hail
*Explosion
*Falling objects
*Collapse of dwelling
*Vehicles
*Weight of ice, snow or sleet
*Riot or civil commotion
*Aircraft
Additional Coverages:
Loss of Use
If you can't live in your home after a covered loss, we cover the additional cost of living, meals, hotels, etc. Your coverage pays
up to 12 months, subject to the coverage limit, and no deductible applies.
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% of the amount of coverage provided under
the Personal Property coverage.
Personal Liability Coverage:
This coverage gives you and your family living with you 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 other insureds as defined in your policy either on or off your premises
*We cover reasonable medical payments for other people injured 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 even pays the premium on bonds, required in a suit we defend, up to the liability limit.
Damage to property of others
We'll pay replacement cost up to $500 per loss for damage to the property of others caused by an insured, even when you are
not legally liable.
Optional Coverages:
Personal Articles Floater
This extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits
stated in the policy. It pays up to the insured value of the article.
BACK TO PRODUCTS PAGE
Imagine for a moment that you've just returned home from a long day at work to find that there has been a fire. Everything you
own has been destroyed: your TV, VCR/DVD, stereo, CDs, dishes, furniture and clothing. Who will pay to replace all of your
belongings? Where will you stay until your apartment is renovated?
A Farmers Renters package could be the answer. And if the unexpected happens, you can count on us to live up to our
promise: Farmers gets you back where you belong. If you suffer a covered loss, we'll reimburse you for lost or damaged items,
and if the loss makes your home uninhabitable, we'll also pay the additional cost of hotel, meals and related expenses.
While Renters insurance can't prevent a fire or similar loss from occurring, it can bring you back to where you were prior to the
loss.
Provides Coverage When Your Landlord or Property Management Company Doesn't
Your landlord or management company carries insurance for losses that may occur. Unfortunately, their policy won't cover your
personal belongings. Our Renters insurance package fills in this gap with the coverage necessary to replace your lost or
damaged items.
BENEFITS
Covered Losses
These are some of the 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
appliance
*Fire or lightning
*Windstorm or hail
*Explosion
*Falling objects
*Collapse of dwelling
*Vehicles
*Weight of ice, snow or sleet
*Riot or civil commotion
*Aircraft
Additional Coverages:
Loss of Use
If you can't live in your home after a covered loss, we cover the additional cost of living, meals, hotels, etc. Your coverage pays
up to 12 months, subject to the coverage limit, and no deductible applies.
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% of the amount of coverage provided under
the Personal Property coverage.
Personal Liability Coverage:
This coverage gives you and your family living with you 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 other insureds as defined in your policy either on or off your premises
*We cover reasonable medical payments for other people injured 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 even pays the premium on bonds, required in a suit we defend, up to the liability limit.
Damage to property of others
We'll pay replacement cost up to $500 per loss for damage to the property of others caused by an insured, even when you are
not legally liable.
Optional Coverages:
Personal Articles Floater
This extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits
stated in the policy. It pays up to the insured value of the article.
BACK TO PRODUCTS PAGE
