RENTER'S PACKAGE POLICY

THE PACKAGE FOR RENTERS

PERSONAL PROPERTY

Your personal property is covered for a loss by the following perils:

• Fire and Lightning
• Windstorm, Hurricane and Hail*
• Explosion
• Riot and Civil Commotion
• Aircraft
• Vehicles
• Sudden, accidental damage from smoke
• Vandalism and Malicious Mischief
• Falling Objects
• Accidental discharge of water or steam from a plumbing, heating or air-conditioning system,
  or household appliance
• Theft
• Collapse of building
• Freezing of plumbing, heating and air-conditioning systems and household appliances

*Excluded in some designated areas.

This is a general description of the package and is not a policy contract. The
policy itself should be read for your coverage's and exclusions

ADDITIONAL COVERAGE

ADDITIONAL LIVING EXPENSE AND RENTAL VALUE

Pays the additional costs of living in hotels, eating in restaurants, etc., while living quarters are
not habitable due to an insured loss. Pays up to 20% of the amount of coverage on your personal
property. Also pays for loss of rents if that part of your residence rented to others is unlivable.

IMPROVEMENTS ALTERATIONS AND ADDITIONS

Covers improvements, alterations and additions to rented property. Pays up to 10% of the
amount of coverage on your personal property.

PERSONAL PROPERTY AWAY FROM HOME

Pays up to $1,000 or 10%, whichever is greater, of the amount of coverage on your personal
property anywhere else in the world.

PERSONAL LIABILITY PROTECTION

Pays for bodily injuries to other people, or damage to their property, if you are liable, resulting from:

• The acts of your pets.
• Unintentional acts committed by you or qualified family members, while engaged
  in such activities as hunting, fishing and other sports.

Pays reasonable medical expenses for other persons injured through your
activities regardless of liability.

ADDITIONAL LIABILITY COVERAGE

EXPENSES

Pays expenses in a suit we defend on your behalf such as court costs, attorney fees, investigator
fees, expense of witnesses and witness fees.

Also pays necessary expenses you incur at Farmers' request, including actual loss of earnings (but
not loss of other income) up to $50 per day, for assisting us in the investigation or defense of a claim or suit.

Pays the premium on appeal bonds and bonds to release attachments.

EMERGENCY FIRST AID

Pays expenses you incur for necessary medical and surgical aid to other people at the
time of an accident covered by the policy.

DAMAGE TO PROPERTY OF OTHERS

Pays replacement cost up to $500 per loss for damage to property of others caused by a qualified
family member where you are not legally liable.

PERSONAL ARTICLES FLOATER

(Optional -Available at an additional cost)

Extends protection for your personal articles when their value is higher than the limits of the policy.
Pays up to the limit of the appraised value or option to repair or replace the article.

CREDITS

NONSMOKER CREDIT

If the qualified family members of your household have not smoked tobacco products in the
past two years, you can save money with our Nonsmoker Credit.

AUTO/HOMEOWNERS CREDIT

If your personal autos are also insured, you may qualify for a credit on your Renters policy.

This is not a policy but a general description. The policy itself should be read for the coverage's
and exclusions. The policy deductible applies to all coverage's mentioned in the folder
unless otherwise stated.

AND LIFE INSURANCE

If you died, would your family have enough money to provide for those large expenses immediately following
your death? Would there be enough money or income to carry your family through their non-earning years?
We have a life Insurance plan that meets all your protection needs for additional cost. Why not ask about it?

Would you like to compare the costs?

Renters Quote