If you own a one- to four-family dwelling that you
rent to others, Farmers has a coverage package tailored to fit your
Your house and any separate structures used
principally as a private rental residence are covered for almost any
type of damage. The exceptions, such as wear and tear, earth
movement (including earthquake), flood, and nuclear hazard, are
listed in your coverage.
If your house is rented to others, all attached structures and
wall-to-wall carpeting is covered up to the limit you select.
Separate structures on your rental property, such as a detached
garage or toolshed, are covered up to 10 percent of the amount of
coverage on your rental dwelling. Optional higher amounts are
Separate structures used for manufacturing, commercial or farming
purposes are not covered by this policy.
Your personal property is covered for up
to 5 percent of the amount of coverage on your rental dwelling.
Optional higher amounts of coverage are also available. Your
personal property at the rental dwelling is covered for a loss
caused by the following:
Fire or lightning
Windstorm or hail
Riot or civil commotion
Smoke, if loss is sudden
Weight of ice, snow or
Sudden and accidental
discharge of water or steam from a plumbing, heating or air
conditioning system, or domestic appliance
Freezing of domestic
Sudden and accidental
electrical damage to appliances and fixtures (but not tubes or
Damage resulting from
sudden and accidental bulging, cracking, rupture, and burning of
steam or hot water heating systems and hot water heaters
Trees, plants, shrubs and
You are covered up to an additional 5 percent of the
amount of coverage, but not more than $500 per item, for loss by
fire or lightning, explosion, riot or civil commotion, aircraft,
vehicles not owned or operated by a resident, vandalism, and theft.
Loss of rents
If you experience a loss of rents due to your
property being unlivable as a result of a covered disaster, you will
be reimbursed for those losses. We pay for the shortest time needed
to make the rental livable – up to 12 months.
Fire Department Service
Your coverage pays up to $500 on top of your other
coverage, with no deductible, for service charges made by a fire
*Not available in Arizona.
You are also covered up to an additional 5 percent
of the amount of coverage on the residence premises for reasonable
debris removal expenses following a covered loss.
Your liability coverage includes expenses in a suit
we defend on your behalf, including court costs, attorney fees,
investigator fees, expense of witnesses and witness fees. Also any
expenses you incur at Farmers’ request, including up to $60 a day
for actual loss of wages are covered. In addition, this policy pays
the premium on appeal bonds, bonds to release attachments, and the
cost of bail bonds.
Emergency first aid
You’re covered for necessary medical expenses
incurred by other people.
You are covered for damages resulting from bodily
injury, personal injury or property damage arising out of the
ownership, maintenance or use of a rental dwelling.
New home discount*
If your house was constructed within the past eight
years, you qualify for a New Homes Discount. The actual discount
depends on the actual age of your house.
*Electrical systems discount in Minnesota and Missouri.
Home renovation discount*
If you have recently renovated your plumbing,
electrical, and heating/air conditioning systems, you may qualify
for our Home Renovation Discount.
*Not available in all states.
Optional flood coverage
Coverage for flood is available from the National
Flood Insurance Program. If you are interested, your Farmers agent
can submit an application for you. This is not a policy contract but
a general description. The policy itself should be read for the
coverages and exclusions. The policy deductible applies to all
coverages mentioned in the folder unless otherwise stated.