Types of coverage

Farmers Standard Coverage

• Your property

  Dwelling Improvements, Alterations, and Additions - you are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your condo insurance policy limits.

• Your possessions

  • You choose the amount of coverage based on the property you own.
  • Personal property is covered anywhere in the world.
  • Coverage is on a named-peril basis, which means that only losses resulting from causes listed in the policy are covered (subject to exclusions).

• Liability

  • Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or household members (on or off premises). This also includes the acts of your pets.
  • Includes costs to resolve claims or defend lawsuits brought against you.
  • Association loss assessment.

• Medical Payments

  Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

• Additional Living Expenses

  Covers additional living expenses up to 24 months (depending on the policy type) if a covered loss makes your home unfit to live in.

Optional Coverage

• Scheduled Personal Property

  Scheduled and unscheduled coverage of important valuables is available for items like art, jewelry, collectibles and more.

• Replacement Cost

  Contents replacement cost is available to pay for the cost of repairing or replacing lost or damaged items without deducting for their depreciation.

• Identity Shield

  State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.