Your dwelling coverage amount is the maximum amount of money the insurance company would pay for damage to your house. Some policies include an extended replacement rider which exteneds coverage to 125% of your stated dwelling coverage amount. With your Farmers your home is covered for almost any type of damage except for a few common exclusions listed in your policy, such as wear and tear, flood, nuclear hazards and earthquakes.

Replacement Cost

Extended Replacement Cost

Your Seperate structures coverage amount is the maximum amount of money the insurance company would pay for damage to any seperate structure on your property. Seperate structures coverage covers any other structures on your lot that are not attached to your house. Seperate structures would include a shed, seperate garage, or a gazebo.

Your policy covers your on-premises personal property, subject to the policy provisions. Your personal property is protected anywhere in the world - if your clothes are stolen while on vacation, you're covered. There are two ways to insure your personal property: Replacement Cost Actual Cash Value

If your home becomes uninhabitable due to a covered loss, we pay for those extra costs of housing, eating expenses, etc. up to the applicable limit.

Your coverage pays for bodily injuries to other people or damage to their property if you are liable, when the damage is caused by the following:

Use of your premise, including swimming pools

The acts of your petsUnintentional acts by you or a qualified family member

Pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.

Personal Articles Floater - Extends coverage for your personal articles, such as jewelry, furs or fine arts.

Personal Umbrella - Supplements your present policies to provide additional personal liability protection.

Flood Insurance - Seperate policy to cover losses incurred due to a flood.