A package of coverage for landlords
Coverage for Landlords
If you own a one-to four-family dwelling that you rent to others, Farmers has a coverage package tailored to fit your needs.
Real Property
Your house and any separate structures used principally as a private rental residence are covered for almost any type of damage. The
exceptions, such as swear and tear, earth movement (including earthquake), flood and nuclear hazard, are listed in your coverage.
If your house is rented to others, all attached structures and wall-to-wall carpeting is covered up to the limit you select.
Separate structures on your rental property, such as a detached garage or toolshed, are covered up to 10 percent of the amount of
coverage on your rental dwelling. Optional higher amounts are available. Separate structures used for manufacturing, commercial or
farming purposes are not covered by this policy.
Personal Property
Your personal property is covered for up to 5 percent of the amount of coverage on your rental dwelling. Optional higher amounts of
coverage are also available. Your personal property at the rental dwelling is covered for a loss caused by the following:
Additional coverages
Trees, plants, shrubs and lawns
You are covered up to an additional 5 percent of the amount of coverage, but not more than $500 per item, for loss by fire or lightning,
explosion, riot or civil commotion, aircraft, vehicles not owned or operated by a resident, vandalism and theft.
Loss of rents
If you experience a loss of rents due to your property being unlivable as a result of a covered disaster, you will be reimbursed for those
losses. We pay for the shortest time needed to make the rental livable- up to 12 months.
Fire Department Service Charge
Your coverage pays up to $500 on top of your other coverage, with no deductible, for service charges made by a fire department.
Debris Removal
You are also covered up to an additional 5 percent of the amount of coverage on the residence premises for reasonable debris removal
expenses following a covered loss.
Liability Coverages
Expenses
Your liability coverage includes expenses in a suit we defend on your behalf, including court costs, attorney fees, investigator fees,
expense of witnesses and witness fees. Also any expenses you incur at Farmers' request, including up to $60 a day for actuall loss of
wages are covered. In addition, this policy pays the premium on appeal bonds, bonds to release attachements, and the cost of bail
bonds.
Emergency first aid
You're covered for necessary medical expenses incurred by other people.
Business liability
You are covered for damages resulting from bodily injury, personal injury or property damage arising out of the ownership, maintenance
or sue of a rental dwelling.
Real Property
Your house and any separate structures used principally as a private rental residence are covered for almost any type of damage. The
exceptions, such as swear and tear, earth movement (including earthquake), flood and nuclear hazard, are listed in your coverage.
If your house is rented to others, all attached structures and wall-to-wall carpeting is covered up to the limit you select.
Separate structures on your rental property, such as a detached garage or toolshed, are covered up to 10 percent of the amount of
coverage on your rental dwelling. Optional higher amounts are available. Separate structures used for manufacturing, commercial or
farming purposes are not covered by this policy.
Personal Property
Your personal property is covered for up to 5 percent of the amount of coverage on your rental dwelling. Optional higher amounts of
coverage are also available. Your personal property at the rental dwelling is covered for a loss caused by the following:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Aircraft
- Vehicles
- Smoke, if loss is sudden and accidental
- Vandalism
- Falling objects
- Weight of isce, snow or sleet
- Sudden and accidental discharge of water or steam froma plumbing, heating or air conditioning system, or domestic appliance
- Burglary
- Freezing of domestic appliance
- Sudden and accidental electrial damage to appliances and fixtures (but not tubes or transistors)
- Damage resulting from sudden and accidental bulging, cracking, rupture, and burning of steam or hot water heating systems and
hot water heaters
Additional coverages
Trees, plants, shrubs and lawns
You are covered up to an additional 5 percent of the amount of coverage, but not more than $500 per item, for loss by fire or lightning,
explosion, riot or civil commotion, aircraft, vehicles not owned or operated by a resident, vandalism and theft.
Loss of rents
If you experience a loss of rents due to your property being unlivable as a result of a covered disaster, you will be reimbursed for those
losses. We pay for the shortest time needed to make the rental livable- up to 12 months.
Fire Department Service Charge
Your coverage pays up to $500 on top of your other coverage, with no deductible, for service charges made by a fire department.
Debris Removal
You are also covered up to an additional 5 percent of the amount of coverage on the residence premises for reasonable debris removal
expenses following a covered loss.
Liability Coverages
Expenses
Your liability coverage includes expenses in a suit we defend on your behalf, including court costs, attorney fees, investigator fees,
expense of witnesses and witness fees. Also any expenses you incur at Farmers' request, including up to $60 a day for actuall loss of
wages are covered. In addition, this policy pays the premium on appeal bonds, bonds to release attachements, and the cost of bail
bonds.
Emergency first aid
You're covered for necessary medical expenses incurred by other people.
Business liability
You are covered for damages resulting from bodily injury, personal injury or property damage arising out of the ownership, maintenance
or sue of a rental dwelling.
