Homeowners Policy Details

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How do you define dream house? You might’ve chosen a Spanish-style hacienda on your favorite golf course, a center-hall colonial in a great school district, or a perfectly restored mid-century modern. Your home is a major investment, but — more than that — it’s where you raise a family, entertain friends and create lifelong memories.

Whether you live in the perfect starter house, a custom-built dream home or something in between, one thing is true: You want to protect the life you’ve made there.

Farmers Smart Plan Home®

Farmers Smart Plan Home policy uses three highly customizable packages as a starting point:

• Designed for homeowners who are just starting out, the Standard package balances affordability with features that really matter. This package also makes it easy to choose higher limits for a few unusually valuable items.
• Within each of these packages, you have tremendous flexibility — you can raise or lower limits in virtually every type of coverage, and add or change coverage. We can show you how each change will affect your premium.

• No matter which package you choose, your Farmers Smart Plan Home policy automatically provides these added features at no additional cost

• Earn $50 toward your deductible each year your policy remains in-force.

• Receive a discount if you’ve been claim-free for three or more consecutive years — even if you’ve recently come to Farmers from another insurer.

• If you’ve been claims-free with Farmers for five continuous years, this benefit prevents your premium from increasing as a result of your next claim.

Here are some typical situations in which Farmers homeowners insurance can help:

There’s a fire in your kitchen

Risk:

• You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.

Coverage:

• Property coverage in your policy can help if your house is damaged by fire and/or smoke.

Thieves strike while you are away

Risk:

• You return from a family vacation to discover thieves have stolen electronic equipment from your media room.

Coverage:

• If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.

A visitor is injured

Risk:

• A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn — fracturing his wrist when he falls against a stone retaining wall.

Coverage:

• Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.

A tornado hits

Risk:

• You heard the warning sirens and escaped uninjured, but you can’t live in your house while tornado damage is repaired.

Coverage:

• Coverage for additional living expenses can help with the extra cost of temporary relocation caused by a covered event.

Instance where your homeowners insurance could help:

Your jewelry is stolen

Risk:

• You mastered the basics of surfing during lessons in Hawaii — but your wedding ring is stolen.

Coverage:

• With personal possessions coverage, lost jewelry is covered up to your policy limits.

You lose your passport

Risk:

• While on vacation in Europe, you lose the tote bag that has everyone’s passports.

Coverage:

• Your homeowners policy can help with the cost of replacing passports and other valuable papers.

• Homeowners policies generally cover valuable items like jewelry, artwork and collectibles — 
• but usually at relatively low limits. With personal articles floaters, you can insure specific valuables at higher limits.

Farmers also offers coverage options like these:

Risk:

• You want to “go green” when you rebuild after a fire — using eco-friendly materials and appliances.

Coverage:

• With Eco-Rebuild coverage, you can receive up to $25,000 toward the extra cost of replacing materials and appliances with “green” alternatives.

Risk:

• An electrical fire destroys the 70-inch flat screen TV in your living room.

Coverage:

• With Contents Replacement Cost Coverage, you’ll be reimbursed for the cost of buying a new television of similar quality — not what your old TV was worth.

Risk:

• You discover you’ve become the victim of identity theft when a series of unfamiliar charges appears on your credit card statement.

Coverage:

• Farmers Identity Shield can help with losses and expenses if your identity is stolen — you’ll also receive help resolving the crime and replacing certain documents.

You can get the most value from Farmers coverage with discounts when you buy multiple policy lines — be sure your homeowners insurance quote includes quotes for everything you insure:

• Auto
• Life
• Business
• Recreational
• Umbrella

 Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready for a homeowners insurance quote. Whatever your insurance needs, Mike Lively Agency is ready to deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.