Condominium Owners       
          Insurance Insurance

The Farmers Condominium Owners Package has the coverage you need and the options you want.

Loss Assesment--  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. This coverage
can be increased up to $50,000.

Additional Living Expense--  If your condo unit becomes unliveable due to an insured loss, we pay for those extra costs of
housing, eating expenses, etc., up to the applicable limit on your specific policy.

Improvements, Alterations, Additions--  You are also covered for accidental damage to improvements you make in your unit
for which your association's policy does not provide coverage, up to $2,000 or 10% of your basic coverage amount. However
you can always arrange higher limits depending on the extent of work you have done.


Designed for your own special needs to get you back where you belong.......


Off-premises coverage--  This provides worldwide coverage for your personal property. Your personal property is also
covered at a secondary dwelling, such as a cabin or a vacation home. This coverage is limited to 10% of the basic coverage or
$1,00, whichever is greater.

    Your personal property is covered against these losses:
             
            *Fire or lightning
            *Windstorm or hail
            *Explosion
            *Riot or civil commotion
            *Aircraft or vehicles
            *Smoke, if sudden and accidental
            *Vandalism or theft
            *Weight of ice, snow, or sleet
            *Sudden and accidental discharge or overflow of water or steam from a plumbing, heating or
                 air-conditioning system or household appliance
            *Sudden and accidental tearing apart, cracking, burning, or bulging of a steam, hot-water, or
                 air-conditioning system or appliance for heating water
            *Freezing of a plumbing, heating or air-conditioning system or household appliance
            *Collapse of building

    Various deductible combinations are available on most coverages, except Personal Liability. Ask us for more details
    *Does not include loss to tube, transistor or similar electronic component.
     

Personal Liability Coverage

Your Personal Liability coverage pays for bodily injuries to other people or damage to their property if you are liable resulting
from:

    *Unintentional acts committed by qualified family members, while engaged in such activities as hunting, fishing or other
      sports
    *The acts of your pets
    *Unintentional acts committed by you or qualified family member, either on or off your premises

Legal Expenses

You 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.


Call us anytime for more information about our products and services.

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