| Fred Vance Insurance Service |Contact Us | Personal Property | Additional Coverages | Optional Coverages | Discounts |
As a renter, you have special insurance needs. Farmers® Renters Package Policy is tailored to meet those needs with many basic coverages that are offered optionally on other policies. Here's how you can protect yourself and your home with Farmers® Renters Package Policy:
Your Personal Property is covered for a loss by:
Fire or Lightning |
Vehicles |
Windstorm or Hail |
Riot or Civil Commotion |
 Explosion |
 Vandalism |
 Weight of ice, snow, or sleet |
 Glass Breakage |
 Falling Objects |
 Collapse of Building |
 Aircraft |
 Theft |
 Freezing of plumbing, heating, air conditioing system or household appliance |
Smoke, if sudden and accidental |
 Sudden and accidental damage from artificially generated electrical (does not include loss to tubes or transistors.) |
 Sudden and accidental discharge of water or steam from a plumbing, heating or air conditioning system, or household appliance |
Pays the additional costs of living in hotels, eating in restaurants, etc., while your living quarters are not habitable due to an insured loss. Pays up to 20 percent of the amount of coverage on your personal property with no deductible.
We cover improvements, alterations and additions to rented property. Pays up to 10 percent of the amount of coverage on your personal property
This coverage applies to your personal property is located at a secondary residence, such as a vacation home, the policy pays up to $1,000 or 10 percent of the amount of coverage provided under personal property coverage
This coverage gives you and your family living with you 24-hour-a-day liability protection against claims caused by almost any unintentional act, including:
We cover reasonable medical payments for other people injured on your premises, regardless of liability, up to certain limits stated on you policy.
Also covers 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 and the cost of bail bonds.
Pays expenses you incur for necessary medical and surgical aid to other people at the time of an accident covered by the policy.
Pays replacement cost up to $500 per loss for damage to property of others caused by qualified family member where you are legally liable.
Extends protection for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in the policy. Pays up to the insured value of the article
Extends protection on your personal property to include the cost of repair or replacement without deduction for depreciation. This optional coverage pays the replacement cost up to four times the actual cash value of the item (100 percent of replacement in Minnesota and South Dakota), but no more than the policy limit.
(Separate Policy)
Provides coverage for $1 million or more of excess personal liability protection and
subject to exclusions, protection for many situations not covered by your Renters
insurance. (Farmers Insurance Exchange®, Truck Insurance Exchange™)
Extends protection for damages to personal property caused by an earthquake up to the policy limit, subject to a deductible. (Not available in some states.)
Coverage for flood is available from the National Flood Insurance Program. If you are interested, we can help you submit your application.
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. (Not available in some states.)
If you are 50 years of age or more, you may qualify for our 50 Plus Discount.
If your personal autos are also insured with Farmers, you may qualify for a discount on your Renters policy.
If you maintain qualified protective devices, like fire alarms and deadbolt locks, you may qualify for additional discounts to your policy.
This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverages and exclusions.
