Don't See Your Question?
The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that "everything" is covered no matter what happens. Your Auto insurance Policy Declaration page lists the coverage you have selected. A Farmers agent can help you select Auto insurance coverage that fits your needs and budget.
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply toward damages first. Your Auto insurance would generally apply in the event the owner of the vehicle had no Auto insurance or did not have enough Auto insurance to pay the damages. For specific information and guidance on your coverage in this situation, contact your local Farmers agent.
Car rental companies charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state by state. Check your policy or contact your local Farmers agent.
Generally, being in an accident will not cause your policy to be canceled. However, after the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal. Your personal Farmers agent will help you understand the potential increases if an accident does occur.
Some leasing and auto loan companies require specific levels of coverage. Your Farmers agent can assist you in determining how much coverage best suits your situation.
Yes. Homeowners insurance will pay for damages, if the accident is the result of your negligence. It will also pay for the legal costs of defending you against a claim. Also, the medical payments part of your Homeowners policy will cover medical expenses arising from an injury to a neighbor or guest. Your local Farmers agent can periodically review your policy limits with you when you are making coverage decisions.
There is limited coverage available for your valuables. In most cases, you may want to consider purchasing a Personal Articles Floater, which provides coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy.
Your local Farmers agent can help you when you are deciding if you need to purchase this coverage.
On a homeowners policy, there is limited, standard coverage available for your jewelry. In most cases, you may want to consider purchasing a Personal Articles Floater, which provides coverage for your jewelry when its value is higher than the limits stated in your homeowners policy. Your local Farmers agent can help you when you are determining if you need to purchase Floater coverage.
Print out and fill in this handy Home Inventory Checklist and keep it in a safe, accessible place in the event you need to file a claim.
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.
Your local Farmers agent can help you when you are deciding if you need to purchase this coverage.
Yes. Typically, your homeowners insurance covers a large number of perils, including all those listed. There are some limits, however, on the amount of insurance you have so you should always consult with your local Farmers agent.
Homeowners insurance policies typically do not cover but not limited to damage resulting from the following:
Contact a Farmers agent for a complete list of policy exclusions in your state.
Yes. Typically, homeowners insurance covers you for accidental discharge of water from a plumbing system. Check your plumbing and heating systems once a year. While you are covered for this type of damage, who needs the mess and hassle?
No. Earthquake coverage is available as a separate coverage. To determine whether you should purchase this insurance, talk to your local Farmers agent. In earthquake prone areas, the cost of this insurance is relatively high. In other areas, it is relatively inexpensive.
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.
Your local Farmers agent can help you when you are deciding if you need to purchase this coverage. In California, California Earthquake Authority (CEA) coverage is available through your Farmers agent.
Generally, you should contact your agent who will assist you in a review of your coverages whenever you change something significant about your home or its contents, for example, you should review your coverage:
