Home Owners Insurance

The Protector Plus Homeowner Package

This Farmers package of coverage is tailored to the special needs of those homeowners whose houses qualify. Its basic package contains many coverages offered optionally on other policies. Protector Plus also has higher limits on certain personal properties such as securities, manuscripts, watercraft stamps and trailers.

Property

Your house and separate structures are covered for a most any type of damage except for a few common exclusions listed in the policy, such as wear and tear, earth movement, food, nuclear hazard and earthquake.

Your house and any attached structures, including wall-to wall carpeting, are covered up to 125 percent of the limit you select in most states. Our built-in Value Protection feature adjusts your policy limit based on current construction costs to help adjust for inflation.

Separate structures on your property, such as a detached garage or toolshed, are covered up to 10 percent of the amount of coverage on your home. Separate structures used for business purposes are not covered here but may be insured for additional premium.

Personal Property

Your personal property, located anywhere in the world, is covered for up to 75 percent of the amount of coverage an your home. 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 percent of the on-premises coverage, whichever is greater.

While your house is covered for most types of damages, your personal property is covered only for damages resulting from the following:

  • Fire or Lightning
  • Vehicles
  • Windstorm or Hail
  • Riot or Civil Commotion
  • Explosion
  • Vandalism
  • Weight of ice, snow or sleet
  • Glass Breakage
  • Falling Objects
  • Collapse of Building
  • Aircraft
  • Theft
  • Freezing of a plumbing, heating, air conditioning system or household appliance
  • Smoke, if sudden and accidental
  • Sudden and accidental damage from artificially generated electrical current (Does not include loss to tubes or transistors.)
  • Sudden and accidental discharge of water or steam from a plumbing, heating or air conditioning system, or household appliance

Loss of Use/Additional Coverages

If you can't live in your house after a covered loss, we cover the additional cost of living such as hotels and meals while repairs are being made, for up to one year. Pays up to 50 percent of the amount of insurance on your house as an additional coverage with no deductible. Also pays for loss of rents if that portion of your house/property, rented to others, is unlivable.

Pays up to an additional 5 percent of the amount of coverage on your house and no more than $500 per item for a loss by Fire or Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles not owned or operated by a family member, Vandalism and Theft.

Contents Replacement Cost extends protection on your personal property to include the cost of repair or replacement without deduction for depreciation. This additional coverage pays the replacement cost up to four times the actual cash values of the item, but not more than the policy limit. This coverage is optional on other policies but with Protector Plus its built in at no additional charge.

Liability

Pays for bodily injuries to other people or damage to their property, if you are liable, resulting from:

Pays medical payments for other people insured on your premises, regardless of liability, up to certain limits as stated on your policy.

If you would like more information on our homeowners insurance policies or if you have any questions, please contact us.

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