The Condominium Owners Package

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The Farmers Condominium Owners Policy

Farmers® has a Condominium Owners Package that can provide you with many special features:

• A $1,500 assessment arising from covered peril. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Higher limits of $10,000, $25,000 or $50,000 are available, at extra cost.

• If your condominium unit becomes unlivable due to an insured loss, we pay for those extra costs of housing, eating expenses, etc., up to the applicable limit.

• Coverage is also provided for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, up to $2,000 or 10 percent of your basic coverage amount. Higher limits are available.

• Farmers Condominium Owners Package Policy also provides worldwide coverage for your personal property. (Off premises, in a secondary dwelling, coverage is limited to 10 percent of basic coverage or $1,000, whichever is greater).

Your personal property is covered against loses from:

Fire or Lightning Windstorm or Hail Explosion Riot or Civil Commotion Falling Objects Aircraft Vehicles Smoke, if sudden and accidental Vandalism Theft

Weight of Ice, Snow, or Sleet Accidental discharge or overflow of water or steam from plumbing, heating, air conditioning system or household appliance. Sudden and accidental tearing apart, cracking, burning, or bulging of a steam, hot water, or air conditioning system, or appliance for heating water. Freezing of a plumbing, heating, air conditioning system or household appliance. Sudden and accidental damage from artificially generated electrical current (does not include loss to tube, transistor, or similar electronic component).

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Personal Liability Coverage

Pays for bodily injuries to other people, or damage to their property, if you are liable (subject to policy limits), resulting from:

• Unintentional acts committed by qualified family members, while engaged in such activities as hunting, fishing, and other sports.
• The acts of your pets.
• Pays the medical expenses for other people accidentally injured through your activities, regardless of liability.

Expenses

Pays expenses in a suit we defend on your behalf, such court costs, attorney fees, investigator fees, expense of witness fees.
Also pays necessary expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages.
Pays the premium on appeal bonds and bonds to release attachments.

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Additional Liability Coverage

Emergency First Aid

Pays necessary first aid expenses to other people at the time of an occurrence.

Damage to Property of Others

Pays up to $500 for damage to property of others caused by an insured where you are legally liable.

Personal Articles Floater

If you own jewelry, watches or furs valued over $500, you should consider a Personal Articles Floater on these items.
Coverage is also available on:

Stamp collection Fine art Coin collection Guns Silverware

Floaters are available at an additional cost. Ask for details.

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Discounts (Not available in all states)

Non-Smoker Discount

If the qualified family members of your household have not smoked tobacco products in the past two years, you can save money with our Non-Smoker Discount.

Age 50 Plus Discount

If the oldest named insured is 50 or older, you may qualify for our Age 50 Plus Discount.

Protective Devices Discount

You may qualify for this discount if your condominium is equipped with one or more of the following safety features: a working fire or smoke alarm, a burglar alarm, deadbolt locks, a working fire extinguisher, or an automatic sprinkler system.

Auto/Home Discount

If you insure your autos and condominium with Farmers®, you may qualify for the Auto/Home Discount.

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This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions.