Property coverage
Farmers Homeowners insurance gives you peace of mind. Your house and separate structures are covered for almost every type of damage, except for common exclusions such as wear and tear, earth movement, earthquake, flood and nuclear hazard.
In addition, attached structures and wall-to-wall carpeting is covered. Separate structures on your property, other than those used for business purposes (such as a detached garage or toolshed), are covered up to 10 percent of the coverage on your house. Higher limits are available for additional premium.

Personal property
You’ll rest easy knowing that your personal possessions inside are also covered for up to 55 percent of the amount of coverage on your home. Personal property away from the premises is also covered for up to 55 percent of the amount of coverage on your house anywhere else in the world. If your personal property is at a secondary
residence, such as a cabin or vacation home, yo covered up to $1,000 or 10 percent of the onj coverage, whichever is greater. Optional higher also available.

Personal property damages
While your house is covered for most types of
your personal property is covered for damages
from:
• Fire, lightning, windstorm or hail
• Explosion
• Riot or civil commotion Aircraft or vehicles
• Smoke, if sudden and accidental
• Vandalism or theft
• Falling objects
• Weight of ice, snow or sleet
• Water or steam — accidentally discharged fr plumbing system or appliance
• Sudden and accidental bulging, cracking, r~ burning of steam or hot-water heating syst water heaters
• Sudden and accidental damage from artific generated electrical current*
• Freezing of a plumbing, heating or air con system or household appliance
*Loss to transistors or similar electronic components not