Homeowners

Farmers Policy Types For Homeowners

Special Form Homeowners Package Policy covers the dwelling, separate structures and loss of use on an accidental direct physical loss basis and the personal property on a named-peril basis. The named perils include such perils as fire, extended coverage, broad form and theft. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage.

Protector Plus and Townhouse Protector Plus Policies protects against identical perils as the Special Form and adds many additional coverages.

Broad Form Renters Package Policy cover the renter's personal property and building additions and alterations and loss of use on a named-peril basis. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage.

Townhouse and Condominium Owners Package Policy covers the dwelling and separate structures on an accidental direct physical loss basis and personal property on a named-peril basis. Loss of Use is covered on an accidental direct physical loss basis for Townhouse and on a named peril-basis for Condominium. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage.

Here is a list of the named perils covered:

1. Fire or lightning damage

2. Windstorm or hail damage

3. Damage caused by explosion

4. Damage caused by riots or civil disturbance

5. Aircraft damage

6. Vehicle damage

7. Smoke damage

8. Vandalism or malicious mischief

9. Loss from theft

10. Glass breakage

11. Damage caused by volcanic eruption

12. Falling objects

13. Damage caused by collapse due to weight of ice, snow or sleet

14. Freezing damage to plumbing, heating/air conditioning or household appliances

15. Accidental discharge or overflow of water from plumbing or a heating/air- conditioning system

16. Damage from a sudden and accidental discharge of an artificially generated electrical current

17. Damage caused by sudden and accidental tearing apart, cracking, burning or bulging of a heating/air-conditioning system, a fire-prevention sprinkler system or an appliance for heating water

Here is a list of a few perils commonly EXCLUDED from homeowners policies (Check your policy for specific exclusions):

• Damage caused by flood

• Damage caused by earthquake

• Damage caused by war or nuclear accident

• Damage caused by earth movement

How to Get the Lowest Rates

Insurers frequently award lower rates to homeowners who guard against theft, accidents and other losses. And companies may provide discounts to premium for multiple-customers (home and auto). Here are some things you can do that generally qualify for lower premiums:

• Secure your home with dead bolts and window locks.

• Install a security system with outside signal and connection to local police. • Install and maintain smoke detectors.

• Install a sprinkler system for fire.

• Install a fire alarm that automatically alerts the local fire department.

• Stop smoking.

See policy for terms and conditions. The information presented on this page is just a general description. The policy itself should be read for specific coverages and exclusions.