The Renters Package Policy

As a renter, you have special insurance needs. Farmers Renters Package Policy is tailored to meet those needs with many basic coverages that are offered optionally on other policies. Here's how you can protect yourself and your home with Farmers Renters Package Policy:

Personal Property
Your Personal Property is covered for a loss by:

• Fire or Lightning Vehicles Windstorm or Hail Riot or Civil Commotion Explosion Vandalism Weight of ice, snow, or sleet Glass Breakage Falling Objects Collapse of building Aircraft Theft Freezing of a plumbing, heating, air conditioning system, or household appliance Smoke, if sudden and accidental Sudden and accidental damage from artificially generated electrical current (Does not include loss to tubes or transistors.)
• Sudden and accidental discharge of water or steam from a plumbing, heating or air conditioning system, or household appliance

Additional Coverages

Loss of Use
Pays the additional costs of living in hotels, eating in restaurants, etc., while your living quarters are not habitable due to an insured loss. Pays up to 20 percent of the amount of coverage on your personal property with no deductible.

Improvements, Alterations, and Additions
We cover improvements, alterations and additions to rented property. Pays up to 10 percent of the amount of coverage on your personal property.

Personal Property Away From Home
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 percent of the amount of coverage provided under personal property coverage.

Personal Liability Protection
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:

• The acts of your pets
• Unintentional acts committed by you or qualified family members, either on or off your premises

Also covers necessary expenses you incur at Farmers request, including up to $60 a day for actual loss of wages.

Pays premium on appeal bonds and bonds to release attachments and the cost of bail bonds.

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.

Optional Coverages

Personal Articles Floater
Extends protection for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in the policy. Pays up to the insured value of the article.

Contents Replacement Cost
Extends protection on your personal property to include the cost of repair or replacement without deduction for depreciation. This optional coverage pays the replacement cost up to four times the actual cash value of the item (100 percent of the replacement cost in Minnesota and South Dakota), but no more than the policy limit.

Personal Umbrella Liability
(Separate Policy)
Provides coverage for $1 million or more of excess personal liability protection and, subject to exclusions, protection for many situations not covered by your Renters insurance. (Farmers Insurance Exchange, Truck Insurance Exchange)

Earthquake
Extends protection for damages to personal property caused by an earthquake up to the policy limit, subject to a deductible. (Not available in some states.)

Flood
Coverage for flood is available from is available from the National Flood Insurance Program. If you are interested, we can help you submit your application.

Discounts

Non-Smoker Discount
If the qualified family members of your household have not smoked tobacco products in the past two years, you can save money with our Non-Smoker Discount. (Not available in some states.)

50 Plus Discount
If you are 50 years of age or more, you may qualify for our 50 Plus Discount.

Auto/Homeowners Discount
If your personal autos are also insured with Farmers, you may qualify for a discount on your Renters policy.

Protective Services Discount
If you maintain qualified protective devices, like fire alarms and deadbolt locks, you may qualify for additional discounts to your policy.