Radiant New Horizon Homes.com

house 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...

Farmers Insurance

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. Click on 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:

  • Costs to resolve claims or defend lawsuits brought against you.
  • Acts of your pets both on and off your property. (Note: pets that have a 'vicious' history may be excluded from coverage.)

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:

  • Floater Policy - Provides extra coverage for specific items like art, jewelry, collectibles and more (for example, stuff that has a little more value and falls outside the limits of your home policy).
  • Identity Shield - Provides assistance in the resolution and coverage for losses due to identity theft in regards to credit and publc records and identity or travel documents replacement.

(space) NOTE: For additional identity theft protection, we also have the Privacy Armor InfoArmor identity protection system as part of the UCES Protection Plan (see Credit Restoration for more information on these services and more).

_______________________________________________

There are also the following insurance plan options. Click on any of the links below to learn more:

  • Earthquake Insurance - Earthquakes are not covered under the home policy. Earthquake insurance can provide reimbursement for damage to your home resulting from an earthquake but must be purchased separately.
  • Flood Insurance - Flood is another natural disaster that is not covered under the home policy. Coverage for floods is available from the National Flood Insurance Program.
  • Personal Umbrella Insurance - Supplements the liability coverage already on home and/or auto policies providing an extra layer of coverage when you need it the most. Note: Your home policy must have certain limits in order for you to qualify.)

______________________________________________________________________

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:

  • Business/Professional Groups (e.g. doctors, RN's, engineers, dentists, teachers, police, firefighters, etc.)
  • Multi-policy
  • Home renovation
  • New roof discount
  • New home
  • Non-smoker
  • Protective devices
  • Fire safeguards
  • Age 50+
  • and much more !

NOTE: Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary.

WHY USE FARMER'S INSURANCE ?
  • One-stop shopping - one provider for all your insurance needs
  • Great savings with an array of possible coverage discounts
  • 24/7 claims service
  • Flexible billing plans

Farmers Renters Insurance

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:

  • The landlord's insurance policy will only cover damage to the building. It won't pay for the replacement of your belongings and it won't cover your relocation costs should you need to move out while repairs are made.
  • How much personal property do you own ? Imagine how much it would cost to replace everything you have - including your computers, TV's, DVD players, MP3 players, digital cameras, jewelry, bikes and more. Could you afford to do that ? If not, renter's insurance may be right for you.
  • While renter's insurance does not pay your enty, it may cover expenses related to temporary housing if you can't live in your building while its being rebuilt or repaired after being damaged by a covered loss.

______________________________________________________________________

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:

  • Costs to resolve claims or defend lawsuits brought against you.
  • Acts of your pets both on and off your property. (Note: pets that have a 'vicious' history may be excluded from coverage.)

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:

  • Floater Policy - Provides extra coverage for specific items like art, jewelry, collectibles and more (for example, stuff that has a little more value and falls outside the limits of your renter's policy).
  • Identity Shield - Provides assistance in the resolution and coverage for losses due to identity theft in regards to credit and publc records and identity or travel documents replacement.

(space) NOTE: For additional identity theft protection, we also have the Privacy Armor InfoArmor identity protection system as part of the UCES Protection Plan (see Credit Restoration for more information on these services and 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:

  • Business/Professional Groups (e.g. doctors, RN's, engineers, dentists, teachers, police, firefighters, etc.)
  • Multi-policy
  • Home renovation
  • New roof discount
  • New home
  • Non-smoker
  • Protective devices
  • Fire safeguards
  • Age 50+
  • and much more !

NOTE: Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary.

WHY USE FARMER'S INSURANCE ?
  • One-stop shopping - one provider for all your insurance needs
  • Great savings with an array of possible coverage discounts
  • 24/7 claims service
  • Flexible billing plans

For more information or to get an insurance quote, click on the image below:

Farmers Insurance

Still need more information ?

CONTACT US