Enjoy Carefree Mobile Home Living With Our Package Policy

Protect your mobile home against most types of loss with a multi-coverage package tailored to your special needs - a package that helps avoid costly duplications and dangerous gaps in coverage.

With Farmers Mobile Homeowners package you'll receive broad benefits at competitive prices, with the choice of convenient monthly or yearly premium payments.

You can also save money with a number of discounts (not available in all states). Please check with your Farmers Agent to find out which apply to you.

Best of all, you're assured of Farmers' Fast, Fair, Friendly service from easily accessible sales and claims offices.

The following is a general description and not a policy contract. Please read your actual policy for your coverages and exclusions.

Property Coverage

Your mobile home and separate structures are covered for almost any type of damage, except for a few exclusions - such as wear and tear, earth movement, earthquake, flood and nuclear hazard.

Separate structures on your residence premises, such as a detached garage or toolshed, are covered up to 10 percent of the amount of coverage on your mobile home. Optional limits higher than 10 percent are available.

Separate structures used for business are not covered under the basic package, but can be insured as an option.

Personal Property Coverage

Your personal property is covered up to 50 percent of the amount of coverage on your mobile home. Higher limits are available as an option.

Your personal property owned or used by a qualified family member is covered anywhere in the world.

Your personal property located at a secondary residence, such as a vacation home, is covered up to $1,000, or 10 percent of the personal property coverage, whichever is greater. Your personal property is covered for damages resulting from the following:

Additional Coverages

LOSS OF USE ...We cover the additional cost of living in hotels, meals, etc. when you can't live in your mobile home after a covered loss. Pays up to 20 percent of the amount of insurance on your mobile home as an additional coverage, with no deductible.

TREES, SHRUBS, PLANTS AND LAWNS ...You're covered up to an additional 5 percent of the, amount of coverage on your mobile home, but 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.

Personal Liability Protection

This coverage provides payments for bodily injuries to other people, or damage to their property, if you are liable, resulting from:

• The acts of your pets
• Unintentional acts committed by you or qualified family members, either on or off your premises
• Medical payments for other people injured on your premises, regardless of your liability, up to certain limits stated on your policy.

Additional Liability Coverages

LAWSUIT EXPENSES ...This coverage pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees.

INCURRED EXPENSES ...This also pays expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages.

PREMIUM ON BONDS ...This coverage pays the premium on bonds required in a suit we defend.

EMERGENCY FIRST AID ...This pays expenses you incur for necessary medical and surgical aid to other people at the time of an accident covered by the policy.

DAMAGE TO PROPERTY OF OTHERS ...This coverage pays up to $500 per loss for damage to property of others caused by a family member where you are not legally liable.

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

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