Farmers doesn’t present an inventory of coated perils on its web site, however listed here are just a few occasions which can be coated:
- Theft
- Fire
- Vandalism
- Damage by car
- Falling objects
- Water injury not from flooding
- Extreme climate
- Weight of snow, sleet, or ice
Before buying a coverage, speak to a Farmers insurance coverage agent to get a full listing of coated occasions.
A Farmers renters insurance coverage coverage has 4 elements:
1. Personal property
This protects the belongings you may have in your residence or rental home. Take stock of your gadgets, estimate their worth, and add up the prices. You wish to get a minimum of that a lot protection so that you just don’t must pay out of pocket to exchange something when a coated peril damages your belongings.
Based on the quote we obtained, Farmers coated $25,000 for private property.
2. Loss of Use
If a fireplace damages your residence or a pipe bursts and causes water injury, chances are you’ll be kicked out briefly for repairs. Your coverage will cowl extra dwelling bills throughout that point, just like the cost of a resort room or meals.
Based on our quote, Farmers would cowl $5,000 for lack of use.
3. Liability
If you’re discovered chargeable for an occasion that injures a neighbor or damages their property, your coverage will cowl the medical or restore prices. Farmers could even pay for any authorized charges for those who’re sued.
The quote we obtained from Farmers coated $100,000 for private legal responsibility.
4. Medical Payments to Others
If a visitor is injured in your home, your coverage will cowl their medical payments.
Our quote from Farmers included protection of $1,000 per person for medical funds to others.
Range of Coverage
Using the Farmers renters insurance coverage on-line quote software, we gathered info on what’s available for renters in Virginia. Here’s how a lot insurance coverage protection you will get with a Farmers renters insurance coverage coverage:
- Personal Property Coverage: No restrict
- Loss of Use Coverage: 20% of private property
- Liability Coverage: $100,000, $200,000, $300,000, or $500,000
- Coverage for Medical Payments to Others: $1,000–$5,000
Farmers Optional Coverage
The solely add-on possibility that Farmers renters insurance coverage presents is identification defend. However, you should purchase separate insurance coverage insurance policies to enhance your renters insurance coverage. These embody pet insurance coverage to guard the prices of proudly owning a pet and umbrella legal responsibility insurance coverage to increase your legal responsibility protection throughout a number of insurance policies, like renters and automotive insurance coverage.
