INSURANCE QUESTIONS

What Is a Broker Fee and Who Pays It?

Do Renters Need Renters Insurance?

Who Pays Closing Costs?

What Causes a Tire Blowout?

Will a Smoke Detector Detect Carbon Monoxide?

What Is Hazard Insurance for Homeowners?

What Is Earnest Money?

Understand earnest money: its role in real estate, how much to offer and when it might or might not be refundable.

What is Umbrella Insurance?

Umbrella insurance helps cover your financial responsibility for injury or loss to someone else. Learn more here.

How to Lower Utility Bills

What Is the Right of First Refusal Clause?

How Does Inflation Affect Insurance Rates?

What Does Homeowners Insurance Cover?

How Do Rent-to-Own Homes Work?

Sump Pump Maintenance: A Homeowners Guide

How to Insure Jewelry: Coverage Options & Steps

Learn how to insure jewelry, how jewelry coverage works under home insurance and what steps may help protect valuable items like engagement rings or heirlooms.

Landlord Insurance vs Homeowners Insurance: What’s the Difference?

Understand the key coverage differences between landlord and home insurance, when you may need each and what to consider if you rent out a home.

How to Shop for Homeowners Insurance: A Step-by-Step Guide

Does Breaking a Lease Hurt Your Credit Score?

What Is a Co-Signer?

Do You Need Insurance on a Trailer?

Does Car Insurance Cover My Windshield?

Can Homeowners Insurance Cover HVAC

Does Homeowners Insurance Cover Theft?

Find out if homeowners insurance covers theft of your belongings from your home, car and when you’re away from home. Learn about replacement coverage vs. actual cash value coverage with Farmers Insurance.

What Is Included in Closing Costs?

Learn what’s included in closing costs, from fees to obligations, and how to estimate them when you’re buying a home.

Mortgage Insurance vs. Homeowners Insurance

High-Risk Homeowners Insurance Explained

Building vs. Buying a Home: Key Considerations

Is It True That Auto Insurance Is More Expensive For A Red Car?

Does Car Insurance Cover Hail Damage?

What Perils Are Covered by Homeowners Insurance?

How Do Auto Accidents Affect Your Insurance?

Find out how long an accident stays on your insurance. Explore its impact on your premiums and accident forgiveness options.

What Is the Definition of Perils in Insurance?

Learn the definition of perils in insurance, what makes perils different from risks and hazards — and why peril definitions in a policy matter.

Key Questions to Ask When Renting an Apartment

Does Home Insurance Cover Roof Leaks?

Does Renters Insurance Cover Basement Flooding?

Does Renters Insurance Cover Appliances?

How to Insulate Electrical Outlets

Does Each Roommate Need Renters Insurance?

How to Bundle Insurance Policies

Discover the benefits of bundling home and auto insurance for convenience and savings with Farmers.

How Much Is Commercial Auto Insurance for Businesses

Learn how much commercial auto insurance is and explore costs by industry, factors affecting rates and saving tips.

Does Renters Insurance Cover Fire Damage?

Does Auto Insurance Cover Theft?

How to Drain a Water Heater: A Step-by-Step Guide

Does Renters Insurance Cover Mold? Key Insights

Renters Insurance vs. Homeowners Insurance Insights

How to Start a Fire in the Fireplace

At What Age Does Auto Insurance Decrease?

Learn at what age car insurance rates go down and explore how age affects your insurance rates and why.

What Is Personal Injury Protection (PIP) Insurance?

Learn about Personal Injury Protection (PIP) coverage and how it can help with medical expenses, lost wages, and rehabilitation costs, if you’re hurt in a car accident.

What Are Comprehensive Workplace Benefits?

Insuring Homes with Swimming Pools: What to Know

How to Switch Car Insurance

What Is Medical Payments Coverage?

Renters Insurance Coverage for Hurricane Damage

Does Renters Insurance Cover Power Outages?

Can My Landlord Require Renters Insurance?

Find out if a landlord can require renters insurance, and potential benefits for renters and landlords.

Does Renters Insurance Cover Water Damage?

Learn when renters insurance covers water damage and when it doesn’t. Understand the difference between burst pipes and floods, plus how Farmers® can help.

What Happens If You Break a Renter’s Lease?

What Are Affinity Benefits Programs?

Does My Credit Score Affect My Auto Insurance Premiums?

What is a Pet Insurance Waiting Period?

What Is Whole Life Insurance?

What Is Comprehensive Insurance and What Does It Cover?

What Is Permanent Life Insurance?

What is Personal Property Coverage?

Personal property insurance can help repair or replace belongings if they’re stolen or damaged in a covered event. Learn more about what is and is not covered.

What Is Water Backup Coverage and Do I Need It?

What Is Loss of Use Coverage?

Does Homeowners Insurance Cover Water Damage?

What Is a Home Insurance Deductible?

How Much Is Renters Insurance?

What Is Gap Insurance and How Does It Work?

What Is a Homeowners Insurance Declarations Page?

A homeowners insurance declaration page is a summary of key details of your insurance policy. Learn what information is typically included in this document.

What Factors May Impact the Cost of Homeowners Insurance?

There are many factors that affect homeowners insurance premiums. Learn more in this article about how homeowners insurance cost is calculated.

Is Homeowners Insurance Tax Deductible?

Can Homeowners Insurance Cover Tree Removal?

Is Renters Insurance Required?

Does Renters Insurance Cover Hotel Stays?

Does Renters Insurance Cover Storage Units?

Does Renters Insurance Cover Pet Damage?

Does Renters Insurance Cover Car Theft?

Renters insurance can cover your things if they’re stolen in a car break-in. Learn more about how renters insurance can cover car theft, and the limits on renters insurance coverage for car break-ins.

Should my estate plan include an advance directive?

Including an advance directive in your estate plan is a personal choice that can allow you to plan and communicate your medical treatment preferences under circumstances that prevent you from doing so on your own.

Should homeowners consider life insurance?

How can life insurance help when markets are volatile?

What Do Home Inspectors Look For?

How Long Does It Take to Buy a House?

What Is Uninsured Motorist Coverage?

What Do You Need to Know Before Buying a House?

When Should I Get Homeowners Insurance?

Lenders typically require you to show proof of homeowners insurance before funding your loan. Read more from the professionals at Farmers Insurance.

What to Do After a Traffic Accident

After an accident, everyone in the car should be checked for injuries and the driver should move to the side of the road. Learn more from Farmers Insurance.

What Should I Do With a Flat Tire?

What Are Some Questions I Should Ask When Viewing a House?

What Steps Are There in a Home Remodel?

What Steps Can Help Prevent Flat Tires?

Which Methods Can Help Secure Home Windows?

Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

Why Do I Need Homeowners Insurance Coverage?

Often lenders require home buyers to get homeowners insurance coverage. Find out more about why some homeowners buy insurance, from Farmers Insurance.

What Does Personal Liability Insurance Cover?

Personal liability coverage helps pay for medical bill and legal costs, up to the limit of your coverage, if an accident occurs in or out of your home.

How Much Life Insurance Do I Need?

Home Warranty vs. Home Insurance Difference

How Can I Help Prevent Pipes From Freezing?

What Is Full Car Insurance Coverage?

What Is an Insurance Premium?

How Should I Prepare to Buy My First Home?

Which Is Better, Term or Whole Life Insurance?

Which is better, term or whole life insurance?

What Is Renters Insurance, and What Does It Cover?

Need to keep your belongings safe? Learn about renters insurance coverage to protect against theft and get a renters insurance quote with Farmers® today.

What Are Life Insurance Policy Riders?

What Factors Drive Life Insurance Calculations?

Where Should I Buy Life Insurance?

What Are Living Benefits on a Life Insurance Policy?

What Is a Life Insurance Beneficiary?

Do I Need Business Auto Insurance?

What is a Business Insurance Policy?

A Farmers business insurance policy can help protect your business against legal claims and property damage. Learn what this could mean for you and your business.

Do I Need Rental Car Insurance?

Rental cars might already be included in your personal auto insurance policy, or you may be able to add them temporarily. Learn more on your coverages.

What Does Business Liability Insurance Cover?

What Does an HOA Do?

What Does an Umbrella Insurance Policy Cover?

I Accidently Hit the Gas Pedal and Crashed During An Impromptu Air Drum Solo. Can A Wannabee Rockstar Get Some Coverage?

What is Business Property Insurance?

Why Do I Need Auto and Home (or Renters) Insurance to Buy Umbrella Insurance?

Is My RV Covered in Mexico or Canada?

Your RV is covered anywhere in Canada, but there are some restrictions on coverage in Mexico. Learn about your options if you're planning an upcoming trip.

How Can Insurance Help Me Prepare For a Tornado Disaster?

In addition to providing coverage in case a tornado strikes, Farmers also provides guidance on developing an emergency action plan. Learn more here.

Would Renters Insurance Be Worth It if I Don't Own Much?

Is Business Insurance Required by Law?

Do I Want Insurance For A Boat?

Does My Auto Insurance Cover Rental Vehicles?

What is Business Income Coverage?

Does The Distance of My Commute Affect My Auto Insurance?

Should I Get Public Liability or Employers Liability Insurance?

Depending on your business, you may need public liability insurance. If you have employees, employers liability coverage is required by law. Learn more.

Will Business Insurance Cover My Company if Someone Sues Me?

Business insurance helps cover the cost of lawsuits, legal defense, and any damages you're ordered to pay. Learn about Farmers business insurance options.

I Lost My Wedding Ring on the Golf Course, Do I Have Coverage?

What Exactly Is Auto Insurance and How Does It Work?

Should I Consider Renters Insurance Coverage While Living in an Apartment?

My Golf Cart Is like My Car, Should I Insure It?

Does My Business Need Workers' Compensation Coverage?

What Happens if a Friend Wrecks My Vehicle?

Why Should I Pay For Full RV Coverage Even During Months I Don’t Use My RV?

For the off-season, Farmers Insurance offers storage-only RV insurance. This only covers your RV for fire, theft, vandalism, and acts of nature. Learn more.

Does Renters Insurance Automatically Renew Every Year?

Renters insurance policies have a one-year term but do you have to reapply for coverage every year? Learn more about policy renewal here.

Who is Covered by My Business Insurance?

Is There Anything Umbrella Insurance Doesn’t Cover?

Does Motorcycle Insurance Cover Passengers?

Do I Need Insurance for a Scooter?

Does Motorcycle Insurance Cover Theft?

Help! My Car Got in the Way of a Pack of Dogs

What Happens if Someone Hits My Parked Car?

If someone hits your parked car and leaves your auto policy can help pay for damage even if that person can't be located. Click here to learn more.

How Can Insurance Help Me Prepare for an Earthquake Disaster?

Farmers can help prepare you for an earthquake disaster. Learn more about earthquake insurance eligibility and how to prepare.

How Much Does Umbrella Insurance Cost?

Does Renters Insurance Cover Theft?

Do I Need Boat Insurance in the Off Season?

What Exactly Is an Auto Insurance Deductible?

What is Risk Management for a Small Business?

How Can I Improve My Business Insurance Policy?

What Factors Determine the Cost of My Business Insurance?

Business insurance premiums are determined by industry, location and the value of your business property. Contact Farmers to find the right policy for you.

What Types of Businesses Are Eligible for a Business Owners Policy (BOP)?

A Business Owners Policy (BOP) is an inclusive package of protection for your business. Nearly all businesses are eligible. Learn more here.

How Do I Get Business Insurance?

Is Animal Damage Covered By My Auto Insurance

When Would a Homeowner Want to Consider Vacant Home Insurance?

When a Car Damages Your House

Running a Retail Shop? Take Some Time to Browse Insurance Coverage Options

What Kind of Insurance Do You Need For a Restaurant?

What Steps I Should Take If I’m In An Accident?

Michelle Early is a Farmers Insurance® agent in Edmond, Oklahoma. She offers these tips for handling an accident.

How a Simple Piece of Paper—called a Certificate of Insurance (COI)—can Set Your Business Apart?

When you need to prove to a customer or vendor that your business is insured, a Certificate of Insurance (or COI) can help. Learn more.

What is a Business Owners Policy?

I Got a Ticket, Now What?

How Can I Make My Restaurant a Safer Place to Work?

If I Love It, Should I List It? How Do I Take a Home Inventory?

How Do I File a Car Insurance Claim?

There’s Meat in the Freezer and a Bear Outside. Will Home Insurance Cover Damage If He Breaks In?

Buying Home Insurance? Make Sure Your Valuables Are Covered

Not all home insurance policies are the same. Understand how limitations and exclusions work, to make sure your assets are protected under your homeowners policy.

Talk About A Bump In The Road – My Car Was Hit By A Drone

If a drone hits your car on the road, can an auto insurance policy provide coverage? A Farmers® agent helps sort out the information.

My Golf Clubs Were Taken from My Car. Do I Have Coverage?

What's the Difference Between Comprehensive and Collision Coverage?

What Does Motorcycle Insurance Cover?

Why Work with an Agent When I Can Buy Cheap Car Insurance Online?

If a Tree Falls on My Home, What Do I Do?

How Long Does it Take to Get Car Insurance?

Reasons to Buy Renters Insurance

A renters insurance policy provides coverage at a reasonable cost, and may help provide coverage for gaps in personal property and liability protection.

What Should I Know Before Buying Life Insurance?

Before a conversation with your life insurance agent, get prepared with these key questions to help you understand your life insurance options and plan for what's ahead.

Can I Use Life Insurance to Help Provide Financial Support My Special Needs Child?

Do I Have Coverage for a Shattered Windshield?

Is Damage from Water in My Basement Covered by Homeowners Insurance?

Pet Starts a Home Fire

Why Did My Homeowners Insurance Go Up?

What Is Umbrella Insurance and Why Should I Consider It?

Can I Change My Auto Coverage Whenever I Want?

Farmers Insurance® agent Marcus Troup of Springfield, Missouri, explains how easy it is to update your policy.

What Impacts the Price of My Auto Insurance?

Multiple factors are taken into account when your auto policy is priced out. Learn more about these factors and how to get discounts on your coverage.

How Can Insurance Help Me Prepare for a Flood Disaster?

How Do I File a Business Insurance Claim?

Does My Auto Insurance Cover Anyone Who Drives My Car?

What Is a Business Umbrella Policy?

How Much Renters Insurance Do I Need?

Does RV Insurance Cover Attachments and Accessories?

Do I Want Motorcycle Insurance?

Motorcycle insurance is required by law in nearly all states. There are several types of coverages. Learn more here.

How Can I Save Money on My Home Insurance?

Combining all your insurance policies with the same insurer is the quickest way to save money on home insurance. Click here to learn more.

Does Anything in My Home Warrant a Separate Insurance Policy or Coverage?

How Do I File a Home Insurance Claim?

How Much Does Condo Insurance Cost?

What Does Homeowners “Replacement Cost” Mean?

Is My Home Covered if It’s Damaged in a Natural Disaster?

How Is the Replacement Cost of My Home Determined?

What Does Condo Insurance Cover?

Condo insurance covers your personal property located inside the unit as well as installed items. Learn more about condo coverage here.

Is Home Insurance Required If I Own a Home?

While it's not required by law, lenders will require you to have insurance until your loan is paid. It's also a great idea to keep for damages or injuries. Learn why.

What is the Difference between Dwelling Coverage and Home Insurance?

Does Home Insurance Cover My Foundation?

How Do I Calculate the Replacement Cost of Belongings in My Home?

How Much Homeowners Liability Coverage Should I Consider?

Does Home Insurance Cover Termites?

What Are Some Things I Should Consider When Buying Home Insurance?

How Much Condo Insurance Do I Need?

Condo insurance coverage is almost like a package of different types of coverage types. Learn how to determine what coverages you need for your condo.

Does Home Insurance Cover Plumbing?

Most home insurance policies don't cover plumbing problems, but they usually cover sudden, accidental events, like bursting from frozen pipes. Learn more.

Does Home Insurance Cover Property That My Child Takes to a Dorm?

Why Should I Consider Getting Insurance for My New Business Immediately?

Is My Home Business Covered by Home Policy?