How renters insurance will cover you...

Imagine for a moment that you've just returned home from work to find that there has been a fire. Everything you own has been destroyed: your TV, stereo, DVD's, furniture and clothing. Who will pay to replace all of your belongings? Where will you stay until your apartment is renovated?

In the event of a fire or other covered loss, a Farmers Renters package is the answer. It will reimburse you for loss of damaged items and if the loss makes your home uninhabitable, it will also pay the additional cost of hotel, meals, and related expenses.

While renters insurance can't prevent a fire or similar loss from occurring, it can bring you back to where you were prior to the loss.

Provides coverage when your landlord doesn't

Your landlord carries insurance for losses that may occur to their property. Your landlord's policy won't cover your personal belongings for the same loss. The Farmers renters package fills this gap with coverage necessary to replace your lost or damaged items.

Coverages

Personal Liability - 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 acts of your pets and unintentional acts committed by you or qualified family members, either on or off your premises.
We cover reasonable medical payments for other people injured on your premises, regardless of liability, up to certain limits stated on your policy.
Necessary expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages, are also covered.
Farmers Renters package even pays the premium on appeal bonds, bonds to release attachments and the cost of bail bonds.

Personal Property - This coverage applies to your personal property anywhere in the world. However, if your personal property is located at a secondary residence, such as a vacation home, the policy pays up to $1,000 or 10% of the amount of coverage provided under Personal Property coverage.

Loss of Use - Your coverage pays the additional costs of living in hotels, eating in restaurants, etc., while your living quarters are uninhabitable due to an insured loss. It also pays up to 20% of the amount of coverage on your personal property with no deductible.

Improvements - We cover improvements, alterations and additions to rented property, up to 10% of the amount of coverage on your personal property.

Damage to Others - We'll pay replacement cost up to $500 per loss of damage to property of others caused by a qualified family member, even when you are not legally liable.