BUYERS - INSURANCE
The inspections are completed. Everything is acceptable. Soon the transaction shall close and you will own (what we hope will be) your Ideal Home. Remember, your home can often be a major investment but its much more than that: its where you can raise a family, entertain your friends and create lifetime memories. You may even choose to use your home as an investment property !
No matter what your idea of an Ideal Home is or what you plan to do with it, one thing is clear: It would be wise to protect the life you intend to make there. If you are a renter and not a buyer, we also have you covered (renter's insurance). So, without further ado, we present to you...
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HOME INSURANCE Designed to protect your home against damages to the house itself or to possessions in the home. Home insurance also provides liability coverage against accidents in the home or on the property. ______________________________________________________________________ COVERAGE Property - Home Insurance provides coverage for damage to your home and separate structures (such as a detached garage) typically caused by wind, fire and vandalism (subject to limitations and exclusions). Extended Replacement Cost coverage is available in some states. Types of Properties - Coverage is available for many different types of properties and/or situations. Select any of the links below to learn more: Possessions - Your personal property is covered anywhere in the world. Coverage is comprehensive including many types of damage and broad causes of loss (subject to exclusions). Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation. Liability - Covers you when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or household members - on or off premises, including:
Medical Payments - Pays medical costs for people injured at your residence (other than residents of your household), regardless of who is liable. Additional Living Expenses - Covers additional living expenses for up to 24 months (depending on the policy type) if a covered loss makes your home unfit to live in. Options - There are additional coverage options to consider, including:
There are also the following insurance plan options. Click on any of the links below to learn more:
______________________________________________________________________ DISCOUNTS You may be eligible for a variety of discounts that may help to lower your home insurance premium. Discounts are available for the following:
NOTE: Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. |
WHY USE FARMER'S INSURANCE ?
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RENTER'S INSURANCE Perhaps you are not buying a house and you are only 'renting a place'. No problem, coverage is available. Renter's Insurance provides coverage for your belongings and liability within a rental property. Renter's insurance applies to renting or subletting a single-family home, apartment, duplex, condo, studio, loft or townhome. Renter's insurance, while sometimes required by a landlord, is generally optional at tenant's discretion. Also, since often the landlord has insurance, it may seem that renter's insurance may be an unjustifiable expense. In some cases this might be true but in others not. So, to help answer this question, consider the following information:
______________________________________________________________________ COVERAGE Property - Renter's insurance provides coverage for damage to your personal property. Coverage is on a 'named-peril' basis which means that only losses resulting from causes listed in the policy are covered, subject to limits and exclusions. Liability - Covers you when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or household members - on or off premises, including:
Medical Payments - Pays medical costs for people injured at your residence (other than residents of your household), regardless of who is liable. Additional Living Expenses - Covers additional living expenses for up to 24 months (depending on the policy type) if a covered loss makes your home unfit to live in. Options - There are additional coverage options to consider, including:
______________________________________________________________________ DISCOUNTS You may be eligible for a variety of discounts that may help to lower your home insurance premium. Discounts are available for the following:
NOTE: Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. |
WHY USE FARMER'S INSURANCE ?
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For more information or to get an insurance quote, click on the image below:
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Still need more information ?CONTACT US |
