home

DWELLING COVERAGE
Your dwelling coverage amount is the maximum amount of money the insurance
company would pay for damage to your house. Some policies include an extended
replacement rider which exteneds coverage to 125% of your stated dwelling coverage
amount. With your Farmers your home is 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.

Replacement Cost

Extended Replacement Cost

SEPERATE STRUCTURES
Your Seperate structures coverage amount is the maximum amount of money the
insurance company would pay for damage to any seperate structure on your property.
Seperate structures coverage covers any other structures on your lot that are not
attached to your house. Seperate structures would include a shed, seperate garage, or
a gazebo.

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. There are two ways to insure your personal property:
Replacement Cost Actual Cash Value

LOSS OF USE
If your home becomes uninhabitable due to a covered loss, we pay for those extra costs
of housing, eating expenses, etc. up to the applicable limit.

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 petsUnintentional acts by you or a qualified family member

MEDICAL
Pays medical payments for other people injured on your property, regardless of liability,
up to certain limits stated on your policy.

OTHER COVERAGES
Personal Articles Floater - Extends coverage for your personal articles, such as jewelry,
furs or fine arts.

Personal Umbrella - Supplements your present policies to provide additional personal
liability protection.

Flood Insurance - Seperate policy to cover losses incurred due to a flood.