Renters Insurance

As a renter, you have special insurance needs. Farmers Renters Package Policy is tailored to meet those needs with many basic coverages that are offered optionally on other policies. Here's how you can protect yourself and your home with Farmers Renters Package Policy:

PERSONAL PROPERTY

Your Personal Property is covered for a loss by:

  • 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

ADDITIONAL COVERAGES

Loss of Use - Pays the additional costs of living in hotels, eating in restaurants, etc., while your living quarters are not habitable due to an insured loss. Pays up to 20 percent of the amount of coverage on your personal property with no deductible.

Improvements, Alterations and Additions - We cover improvements, alterations and additions to rented property. Pays up to 10 percent of the amount of coverage on your personal property.

Personal Property Away From Home - This coverage applies to your personal property anywhere in the world. 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 amount of coverage provided under personal property coverage.

Personal Liability Protection - This coverage gives you and your family living with you 24-hour-a-day liability protection against claims caused by almost any unintentional act, including:

We cover reasonable medical payments for other people injured on your premises, regardless of liability, up to certain limits stated on your policy. Also covers necessary expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages. Pays the premium on appeal bonds and bonds to release attachments and the cost of bail bonds.

Emergency First Aid - 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 - Pays replacement cost up to $500 per loss for damage to property of others caused by a qualified family member where you are not legally liable.

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

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