Frequently Asked
Questions

Farmers GroupSelect SM

Auto Insurance FAQ

Liability Protection

Liability protection pays claims, if you’re at fault for injuries or property damage. 1 This includes an accident where, while owning, maintaining, or using your vehicle, you cause injury to a person or property damage. For example, to someone else's car, mailbox, or fence.


Collision and Comprehension

Collision coverage pays for damages to one’s car if it impacts another vehicle or object, or if your car rolls over, no matter who was at fault.
Comprehensive coverage also pays for damages to your car caused by something other than a collision, such as theft, vandalism, fire, flood, and hail.

 

Medical Payments

Medical payments coverage covers, among other things, the costs of doctors, nurses, hospitals, and funeral expenses for insureds, resulting from a covered accident regardless of who was at fault. You’ll also be protected when you drive another person’s vehicle (with permission) or if a car hits you or a family member, as pedestrians. In some states, medical payments coverage is referred to as personal injury protection and may pay for lost wages 2.

 

Enhanced Rental Car Damage Coverage

Just as if you had an accident when driving your own purchased car, if you had a covered accident while driving a rented car, you'd be covered. With Farmers GroupSelect coverage, you'd also get benefits such as 3:

  • Rental income lost during repairs
  • Claim handling expenses
  • Decrease in market value of the rental (Not available in NC and not applicable to Auto 2018 program.)
  • Related expenses, such as towing and storage 2

 

Uninsured and Underinsured Motorists Coverage

Uninsured motorists coverage pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. It also provides coverage if an uninsured driver struck you or insured relatives as pedestrians. 1

Underinsured motorists coverage will pay for damages that exceed the amount of coverage carried by an underinsured driver. 2

 

Want More Coverage?

  • New car replacement: if you totaled your new car within one year of purchase or during the first 15,000 miles—whichever came first—you can get it repaired or it will be replaced with a new car with no deduction for depreciation. 4, 5
  • Major parts replacement: we’d pay to replace certain major parts, such as tire, brakes and batteries, no matter what their wear-and-tear or depreciated value was at the time of the accident.6 (Not available in NC and only applicable to Auto 2000 and Auto 2013 programs. Not applicable to Auto 2018 program. This does not apply to theft of tires or batteries, unless the entire vehicle were stolen.)
  • Glass repairs without a deductible: if your windshield were chipped or cracked, we’d repair it and waive your deductible. 2
  • Legal defense costs: If you’re sued, we’d cover your legal fees. We’d also reimburse you for up to $200 per day for lost wages if you attend a hearing or trial at our request ($250 in Auto 2013 and Auto 2018 program).
  • Lease or loan gap coverage: this ensures that your vehicle’s lease or loan would be paid off if your vehicle is a total loss due to an accident, even if the amount exceeded the value of your vehicle. 1, 2

 

home images

Home Insurance FAQ

Could I get a discount based on where I’m employed or because of my membership with a group or association? 

Yes, you may be eligible for an additional discount because of your employment with a participating employer, or due to your membership in certain associations or groups. We recommend entering your employer or association name when you are quoting so that we can offer you our best possible price.

How could I lower my homeowner’s insurance premiums?

There are a few ways you could save on your homeowners insurance with Farmers GroupSelect.

  • Safety discounts are available in most states. Your premiums would be lower, if your home had fire prevention systems, such as fire alarms, automatic sprinkler systems, smoke detectors, or fire extinguishers. Theft prevention systems, such as central burglar alarms and deadbolt locks, may also qualify you for discounts.
  • Bundle your auto and home insurance. Consider purchasing a home policy with an auto policy from Farmers GroupSelect — it could save you hundreds. Check out our Bundle & Save page for more details.
  • Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that you’re financially able to pay your deductible if you have a loss.
  • See if you’re eligible for group discounts. If your employer or association offers access to our home insurance program, you could save even more. Call an agent to find out if this is available to you.


I’ve never had an insurance claim. Shouldn’t my home insurance costs be going down?

Even if you’ve never had a claim, your insurance costs could still rise over time, although it’s probably rising slower than it is for people who submit claims. Premiums are based on a number of factors in addition to loss history, including, for example:

  • Your home’s age and type of construction.
  • How much it would cost to rebuild your home from scratch. Both the cost of materials and regional labor costs are taken into consideration.
  • The risks of loss associated with where you live. Is there a high risk of wildfires? Hurricanes? Is it a high-crime area? Insurance companies monitor weather patterns, how quickly a fire department can get to a home, and how close the nearest hydrant is to a property, as well as loss statistics in your area, among other factors that bear on past and prospective loss experience and expenses.
  • Your premium charges are lower, due to your lack of claims. Yet, other home policyholders have not been as fortunate as you and their claims have contributed to rising insurance costs. Sadly, fraud also contributes to rising insurance costs.


What’s the process for filing a claim?

Immediately following a loss, call Farmers GroupSelect claim service team at 1-800-854-6011. You should also:

  • Take pictures of all damage and, if safe to do so, complete temporary repairs to your property immediately—for example, patching walls or roofs, or covering shattered windows with plywood and/or heavy-duty plastic.
  • Save receipts and invoices associated with any emergency repairs to give to your claim adjuster.
  • File a report with the police department and keep a copy for your adjuster if you’ve been robbed, making sure to include a detailed list of the items damaged or stolen.
  • Make a room-by-room, written assessment of all damaged property, including descriptions, original costs, and approximate ages of all items.
  • Once you’ve reported your claim to us, a claim specialist will contact you within 24 hours. The claim specialist will review your claim, help organize temporary repairs or emergency services, and set a date for inspecting the damages.

 

When can I expect to receive a settlement check, and whose name will appear on the check?

You’ll receive a settlement check as soon as we’ve confirmed coverage and completed an investigation and comprehensive damage estimate. We will make every effort to issue payment on the claim as quickly as possible. If necessary, you'd receive other authorized supplemental checks once proper reinspections were performed or when your claim adjuster prepared a supplemental estimate. We may be required by state laws and policy language to include any mortgagees/lien holders on your settlement check(s). If a mortgagee/lien holder’s name appears on your settlement check(s), the mortgagee or lien holder must sign off on the check before it can be cashed. You should contact your mortgagee or lienholder directly to determine the process for co-signing/cashing settlement checks.

If you had our replacement cost loss settlement option, in the event of a covered loss, we'd first pay you the actual cash value for the damage to your property. When you replaced the item or completed the specified repairs, we'd pay you the difference between the replacement cost and the actual cash value amount previously paid. The total amount you’re reimbursed is subject to the terms and conditions of your particular policy, including deductible and limits.


How can I locate a contractor for repairs?

Farmers GroupSelect has arranged with Crawford Contractor Connection network to provide construction repairs. Your claim service associate can check to ensure that this service is available in your area and schedule an inspection of your property. The network provides:

  • Over 2,200 certified general and specialty contractors nationally
  • A two-year warranty on materials and labor provided
  • Continuous contractor credentialing process
  • Worker’s compensation and insurance protection for the contractors
  • Strictly monitored performance standards
  • The choice of a contractor is always up to you.

 

Can I make changes online to my homeowners’ policy?

We are enhancing our online insurance platform, and, during this time, you will be able to view and print your policy documents and make one-time payments on your policy. For all other service requests, contact our customer service center for assistance. To report a claim, please contact our 24/7 Claims Department at 1-800-854-6011.

 


 

Condo FAQ -  image of people on sofa


Condo FAQ

Why do I need condo insurance?

As a condo owner, your condo association probably has a master insurance policy that covers a portion of the physical building and grounds. However, this policy doesn’t cover your personal property, private structures, or property that’s your responsibility under your property owner’s agreement. This includes updates or improvements you’ve made to your condo, personal liability, or legal costs if something happened in your condo and you’re sued. Having your own insurance policy provides protection just for you and just in case.

 

What’s covered with condo insurance from Farmers GroupSelect?

Our condo insurance policies provide comprehensive coverage with the following features:

Our replacement cost coverage covers you in case you experience a loss to your condo unit that is not covered by the condo association master insurance policy. This includes any improvements or upgrades you’ve made to your condo. 1

Loss assessment protection covers you in case a common area was damaged from a covered loss and the damage wasn't entirely covered by the condo’s master insurance policy. For example, if an elevator sustained damage from lightning and the cost to fix it exceeded what the master policy covered, you and other condo owners may be asked to contribute to make up the difference.

Legal defense covers court costs if you’re sued for a claim. We’d help you pay for attorneys, document preparation, or other related legal expenses.

A personal excess liability policy provides an added layer of liability protection beyond what's in your existing policies. This extended coverage can help you be more prepared for the unexpected and protect you from needing to rely on your other valuable assets to pay for judgments above your policy limits. Your personal belongings are covered worldwide, so that no matter where you were, you'd be covered if they are damaged or stolen.

Water backup coverage is optional coverage that would pay for loss, if water backed up and damages your condo or belongings. Coverage includes: a backup through sewer or drains and sump pump overflow. 1

 

Could I get a discount based on where I’m employed or because of my membership with a group or association? 

Yes, you may be eligible for an additional discount because of your employer or your membership to certain associations or groups. We recommend entering your employer or association name when you are quoting so that we can offer you the best possible price.

 

How can I lower my condo insurance premiums?

There are a few ways you can save on your condo insurance with Farmers GroupSelect:

Safety discounts are available in most states. Your premiums would be lower if your condo had fire prevention systems, such as fire alarms, automatic sprinkler systems, smoke detectors, or fire extinguishers. Theft prevention systems, like central burglar alarms and deadbolt locks, may also qualify you for discounts.

Bundle your auto and condo insurance. Consider purchasing an auto policy with a condo policy from Farmers GroupSelect — it could save you hundreds. Check out our Bundle and Save page for more details.

Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that you’re financially able to pay your deductible if you have a loss.


How can I locate a contractor for repairs?

Farmers GroupSelect has arranged with Crawford Contractor Connection network to provide construction repairs. Your claim service associate can check to ensure that this service is available in your area and schedule an inspection of your property. The network provides:

  • Over 2,200 certified general and specialty contractors nationally
  • A two-year warranty on materials and labor provided
  • Continuous contractor credentialing process
  • Worker’s compensation insurance protection for the contractors
  • Strictly monitored performance standards

 

Can I make changes online to my condo policy?

We are enhancing our online insurance platform, and, during this time, you will be able to view and print your policy documents and make one-time.


 


Renters FAQ


Why do I need renter’s insurance?

Renters insurance provides protection for all your belongings in case something bad happened, subject to policy limits and policy terms and conditions. While your landlord is responsible for many things in your rental unit (such as plumbing and the roof), unless your landlord were found to be responsible for the loss, his/her insurance policy would not cover your personal belongings .

What does renters insurance from Farmers GroupSelect cover?

All of our renters insurance policies include:

  • Personal property coverage ensures that if something happened and you needed to replace your belongings, you'd be covered, subject to policy limits, terms, and conditions. If there were a loss, we'd pay the cost to replace, up to the actual cash value of your damaged or stolen property, again, subject to policy limits, terms, and conditions. 1
  • Replacement cost loss settlement option provides coverage if something happened and you needed to repair or replace your property. Our policies don’t deduct for depreciation (up to your coverage amount). This applies to any improvements, additions, or alterations you made to your rental unit at your own expense. 1
  • Personal liability protection, which provides $100,000 of coverage (or more, if you choose) if someone else were hurt when he or she was in your rental unit. It also covers property damage to others that you’re held responsible for. We'd also cover legal defense costs, as needed. Your personal belongings are covered worldwide, so that no matter where you are, you'd be covered, if they were damaged or stolen.


What other renter’s insurance features are available?

In some states, we also offer four specialty coverage packages, which can be added to your basic renter’s policy. These packages cover electronics, musical instruments, recreational/sports equipment, and luxury items. They feature broader, all-risk coverage, which means protection is provided, regardless of where or how your property was lost or damaged, subject to policy terms and conditions and coverage limits. We would repair or replace your property without deduction for depreciation. 1

  • You can choose up to $5,000, $10,000, or $15,000 of coverage depending on the value of your items within these packages. (3)
  • In addition to broader coverage, some of these specialty packages also come with a bonus coverage that provides protection if these items broke down or did not work correctly.
  • Each specialty coverage package has its own $100 deductible. Choose one or all of these packages, depending on your needs.
  • To find out if these are available in your state, contact a Farmers GroupSelect representative today.


How could I save on a renter's insurance policy from Farmers GroupSelect?

In addition to our competitive premiums, you may qualify for discounts, including:

Claim-free discounts—you could save when you don’t have any losses with us. 2

Multi-policy discount—choose us for your renter’s and auto coverage, and you’d be rewarded with our “Home Policy Plus” discount. Protective devices discount—if you installed safety and security devices in your rental unit, you could secure significant savings.


Could I get a discount based on where I’m employed or because of my membership with a group or association?

Yes, you may be eligible for an additional discount because of your employment with a participating employer, or due to your membership. We recommend entering your employer or association name when you are quoting, so that we can offer you the best possible price.


Can I make changes online to my renter's policy?

We are enhancing our online insurance platform and, during this time, you will be able to view and print your policy documents and make one-time payments on your policy. For all other service requests, contact our customer service center for assistance. To report a claim, please contact our 24/7 Claim Department at 1-800-854-6011.


 

Landlord's Rental Dwelling FAQ


What types of insurance for landlords do you offer?

We have two types of policies: Landlord’s Rental Dwelling insurance and Landlord’s Rental Condo insurance. Whether you’re a landlord with multiple rentals, or you’re just leasing your home or condo, we’ve got a policy to suit your needs. 1

What does insurance for landlords cover?

The following benefits are available with any policy you choose:

  • Property coverage, which covers your rental house, built for one to four families or your rental condo unit. The policy also covers private structures private structures on your property (like a garage or shed), and personal property, like tools, appliances, or furniture that’s stored on the property or used by your tenants. This coverage even includes items that are out for repair or service.
  • Loss of rental income protects you if your rental property suffers a covered loss and you lose rent because your tenant has to live elsewhere. We’d pay for your loss of rental income during the repair or rebuilding period. 2
  • Liability coverage helps cover you for one of the biggest risks landlords face: responsibility for injuries that occur on their rental property. This coverage includes personal liability, which will provide $100,000 of coverage (or more if you choose) if someone got hurt or property damage occured and you’re found responsible. This also covers all your legal defense costs and includes medical payments to others, so if someone were hurt on your property, we'd pay up to $1,000 (or more, depending on your policy) for medical costs. 2
  • Personal injury coverage can protect you as a landlord from lawsuits alleging wrongful entry, wrongful eviction, and invasion of the right of private occupancy.

What other features and benefits do the insurance for landlords policies offer?

In addition to our basic policy, we offer two different options to protect you from out-of-pocket costs, if you ever had to repair or rebuild your investment property:

Extended limits coverage can safeguard you against unexpected increases in building and repair costs, protecting you if the dwelling’s replacement cost exceeded the policy’s dwelling limit. If the amount of insurance selected for the dwelling prior to the loss turned out to not have been enough, Extended Limits Coverage provides 25% more insurance to cover the extra need.


 


Boat FAQ

What types of boat can be covered by Farmers GroupSelect?

Coverage is available for boats up to 31' in length with values up to $150,000, that are used for private pleasure and recreation. Farmers GroupSelect doesn’t cover commercial, nor boats you own and charter out.

What types of boat insurance coverage does Farmers GroupSelect offer?

Farmers GroupSelect offers a wide variety of coverage options, including:

Liability protection: Our liability insurance coverage provides for bodily injury and property damage to others when the law holds you responsible. We’d also cover your legal fees, should you be sued and needed to defend yourself.

  • Liability protection: Our liability insurance coverage provides for bodily injury and property damage to others when the law holds you responsible. We’d also cover your legal fees, should you be sued and needed to defend yourself.
  • Boat repair necessitated by a covered loss: We pay both partial and full losses to your boat, including its hull, motor, trailers, and boating equipment. Covered items include: outboard and inboard motorboats, stern drives, jet skis, sailboats, personal watercraft, and more. We also cover personal effects too while aboard or being loaded on or unloaded from the vessel, like fishing equipment and water skis. Simply add this optional coverage to your basic boat policy.
  • Passenger protection: If for any reason your passengers became injured resulting from the ownership, maintenance, or use of your boat, we’d pay up to $1,000 for each person under medical payments coverage, regardless of fault.
  • Coverage for uninsured and underinsured boaters: This protects you and your passengers in the event you were involved in an accident caused by a boat operator who was uninsured or underinsured. Note that UB and UIB coverage varies by state and is not available in all states.
  • Hurricane warning protection: Whenever the National Weather Service issues a hurricane advisory, we’d pay up to $250 towards hauling your boat out of the water to a protected area. You wouldn’t need to worry about a natural disaster causing damage to your watercraft while it was still moored.
  • Unforeseen emergency services: Because everything breaks down at one time or another, we offer emergency services coverage, which pays $250 toward towing and labor on land or in the water, including the delivery of fuel, oil, or a battery. Higher limits are also available. The policy also provides limited coverage for marine salvage costs necessarily incurred in saving and preserving an imperiled vessel.

 

What types of boat safety discounts and rewards does Farmers GroupSelect offer?

When you complete a boater safety course you may qualify for an additional discount. You may also qualify for additional discounts by having additional safety equipment on board when you are on the water.


 


Motorcycle & RV FAQ

What types of RV insurance do you offer?

Liability coverage 1: Covers you and co-residing relatives who are ever found legally responsible for injuries or property damage involving the ownership, use, or maintenance of your RV.


Medical payments coverage 2: Provides payment for injuries resulting from the ownership, maintenance, or use of a covered RV, if you, your co- residing relatives, or your passengers ever got into an accident.


Uninsured and underinsured motorists coverage 3: Ensures that if you got into an accident with someone who didn’t have enough nor any insurance coverage, you’d be covered by your own policy, up to your own limit.


Physical damage coverage 4: Covers your RV, if it got damaged from accidents, falling tree branches, fire, theft, vandalism, and more. It can include your motorcycle's accessories, like special handlebars and sidecars as well.


Special parts coverage: Takes care of out-of-pocket costs for special parts, like tires, brakes, batteries, and shocks with no deduction for depreciation.5,6


Legal defense costs: Covers you if you’re ever sued. We’d also reimburse up to $250/day, if you ever had to attend a hearing or trial at our request. (The amount follows auto. $200 for Auto 2000 and $250 for Auto 2013)


Are trailers covered by my policy?

We do have optional trailer coverage, which you may add onto your policy. This offers the same broad physical damage coverage to protect any trailers you own and use to transport your motorcycle, snowmobile, or other recreational vehicle.


Are there coverage suspensions or lay-up periods?

No. Once your policy goes into effect, coverage stays with you 24/7, 365 days a year, subject to policy terms and conditions.


What types of RV insurance discounts does Farmers GroupSelect offer?

Our multi-policy discount lets you save more when you have two or more policies, including RV, boat, auto, and home insurance. Check out our Bundle and Save page for more details.


 


Are you a policyholder looking for more information?

Click here to learn more https://www.farmers.com/MetPolicy/FAQ/#customer-service

 



In the event of any conflict between the coverage descriptions on this site and those in the policies themselves, the language in the policies prevails.

*Based on the average nationwide annual savings in 2020 reported by new customers who called our employer and affinity call center, switched their auto insurance to an insurance policy issued through our employer or affinity program, and realized savings. Potential savings vary by customer and may vary by state and product.

**Based on the average nationwide discount available in 2020 through the Farmers GroupSelect program for eligible individuals.


Auto and Condo FA
Q

See policy for restrictions.

See policy for details and restrictions. All coverages not available in all states.

Requires Comprehensive and Collision coverages on at least one vehicle insured under the policy. See policy for restrictions and state applicability.

Subject to deductible and state availability. See policy for restrictions. Does not apply to leased, substitute, or non-owned autos. Applies within the first 12 months, or first 15,000 miles of ownership, whichever comes first.

5 15,000 mile limitation applicable only to Auto 2000 and Auto 2013 programs and not applicable to Auto 2018.

6 Subject to deductible and state availability. See policy for restrictions.

Renter’s FAQ

Subject to policy exclusions.

Details vary by state.

Landlord's Rental Dwelling FAQ

Landlord's Rental Dwelling Insurance is not available in all states.

Motorcycle and Boat FAQ

See policy for restrictions.

Medical payment benefits not available in all states nor for all types of vehicles.

Subject to policy terms and conditions

Refer to the applicable policy for coverage details, conditions, and exclusions.

See policy for restrictions. A deductible may apply. Does not apply to leased, substitute, nor non-owned vehicles. This coverage does not apply to theft of tires nor batteries, unless the entire vehicle were stolen. Not available in all states.

Not applicable to off road recreational vehicles.

Boat insurance is not available in all states.