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Farmers Condominium Owners Insurance
The Farmers Condominium Owners Package has the coverage your need and the options
you want. All Designed for your own special needs to get you back where you
belong. Coverages Include:
Loss Assessment
You'll receive up to $1500 for an assesment arising from covered damage. This
can be used to pay for your share of property damage or injury awards for which
your association's policy does not provide covreage. Up to $50,000 is available,
depending on your policy.
Additional living expense
If your condominium unit becomes unliveable due to a covered loss, we pay for those
extra costs of housing, easting expenses, etc., up to the applicable limit.
Improvements, alterations, additions
You are also covered for accidental damage to improvements you make in your unit
for which your association's policy does not proivde covreage, up to $2,000 or 10
percent of your basic coverage amount. You may also arrange higher limits.
Off-premises coverage
This provides worldwide coverage for your personal property. Your personal
property is also covered at a secondary dwelling, such as a cabin or a vacation
home. This coverage is limted to 10 percent of basic coverage or $1,000, whichever
is greater.
Your personal property is covered against these losses:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or Civil commotion
- Falling Objects
- Aircraft or vehicles
- Smoke, if sudden and accidental
- Vandalism or theft
- Weight of ice, snow, or sleet
- Sudden and accidental discharge or overlfow or water or steam from a plumbing, heating
or air-conditioning system or household appliance
Personal Liability Coverage
Your Personal Liability coverage pays for bodily injuries to other people or damage
to their property if you are liable resulting from:
- Unintentional acts committed by qualified family members, while engaged in such
activities as hunting, fishing or other sports
- The acts of your pets
- Unintentional acts committed by you or qualified family members, either on or off
your premises
Legal expenses
Your coverage also pays any necessary expenses you incur at Farmers' request, including
up to $60 a day for actual loss of wages.
Additoinal Liability Coverages
Emergency first aid
All necessary first-aid expenses to other people at the time of an occurrence are
covered
Damage to property of others
Your covereage pays up to $500 for damage to property of others caused by a qualified
family member for which you are not legally liable.
Personal Property coverages (Available for an additional cost)
Scheduled Personal Articles floater coverage is available for property worth over
$2500.
Unscheduled Personal Articles endorsments are available for property worth under
$2500.
These classes of property are covered under both scheduled an duncscheduled options:
- Jewelry
- Furs
- Fine art
- Firearms
- Silverware, goldware, pewterware
Discounts
As with all our policies, there are numerous discounts available. Contact
us today to find out more.
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