• Homeowner Package
• Renters Package
• Condominium Owners Package
• Personal Umbrella
• Boatowners Protection
• Household Contents Inventory
• Term Life Insurance
• Universal Life
• IRA Info
• Towing & Road Service
• HelpPoint Service

Homeowner Package
The Farmers® package of coverage is tailored to the special needs of those homeowners whose houses qualify. Its basic package contains many coverage's offered optionally on other policies. Protector Plus also has higher limits on certain personal properties such as securities, manuscripts, watercraft, stamps and trailers.

Property
Your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in the policy, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.

Your house and any attached structures, including wall-to-wall carpeting, are covered up to 125 percent of the limit you select in most states. Our built-in Value Protection feature adjusts your policy limit based on current construction costs to help adjust for inflation.

• The use of your premises, including swimming pools. Other residential property you use as a rental can also be added.
• The act of your pets.
• Unintentional acts committed by you or qualified family members, either on or off your premises.

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

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

How renters insurance helps cover your valuables

Imagine for a moment that you've just returned home from a long day at work to find that there has been a fire. Everything you own has been destroyed: your TV, VCR, stereo, all of your CD's, dishes, furniture and clothing. Who will pay to replace all of your belongings? Where will you stay until your apartment is renovated?

If the unfortunate should happen and you suffer a covered loss, a Farmers® Renters Package is the answer. It will reimburse you for lost or damaged items, and if the loss makes your home uninhabitable, it will also pay the additional coast of hotel, meals, and other such related expenses.

While renters insurance can't prevent a fire or similar loss from occurring, it can bring you back to where you were prior to the loss.

Provides coverage when your landlord doesn't
Your landlord carries insurance should a loss occur. Unfortunately, your landlord's policy probably wont cover your personal belongings for the same loss. The Farmers Renters Package fills this gap with the coverage necessary to replace your lost or damaged items.

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

Condominium Owners Package
Farmers Condominium owners package has the coverage you need and the options you want
Loss of assessment - You'll receive up to $1,500 assessment arising from a covered damage. This can be used to pay for your share of the property damage or injury awards for which your association's policy does not provide coverage. Up to $50,000 is available, depending on your policy.

Additional living expense - If your condominium unit becomes unlivable due to an insured loss, we pay for those extra costs of housing, eating expenses, etc., up to the applicable limit.

Improvements, alterations, additions - You are also covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, up to $2,000 or 10 percent of your basic coverage amount. You may also arrange higher limits.

Off-premise coverage - This provides worldwide coverage for your personal property. Your personal property is also covered at a secondary dwelling such as a cabin or a vacation home. This coverage is limited to 10 percent of basic coverage or $1,000, whichever is greater.

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

Personal Umbrella
In today's society, no one is exempt from large liability losses. Let's face it: people are growing more willing to sue every day. The bottom line is, it can happen to you.

The question is, are you prepared?
With a Farmers Personal Umbrella policy, you can protect everything for which you've worked so hard. It gives you the security and peace of mind you need to enjoy life's pleasures. The Farmers Personal Umbrella can add to your safekeeping with:

• Additional Liability insurance, over the limits of your Auto, Homeowners, Recreational Vehicle or Boat Liability policy limits
• Coverage for unknown or unexpected exposures not covered by your current policies (some exclusions apply)
• Coverage for legal costs, including representation by our attorneys, court costs, interest on judgments and premiums on necessary bonds.

Take a look at the easy-to-use chart to the right. It shows how the Farmers Personal Umbrella policy can give you coverage above and beyond your Auto, Homeowners, and Recreational Vehicle Liability policies

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

Boatowners Protection
You can enjoy carefree cruising with a Boatowners policy from Farmers.

The policy protects you anywhere in the territorial limits of the Western Hemisphere.

Your boat, outboard motor, boat trailer, plus any equipment and accessories you with to include, are protected by the policy at a minimal cost to you.

Refer to the policy for coverage's and exclusions.

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

Household Contents Inventory
Appraising the value in your home
Could you - from memory - list all the items in your hall closet?

Do you know how many small appliances you own, complete with the model and manufacturer's name, the date you bought each one and the price you paid?

How much would you guess it would take to replace your family's clothing?

If you had a burglary or fire in your home tomorrow, you don't want to rely on just your memory when filing a claim. When you buy insurance you hope you'll never have to use it, but you're not prepared for a loss, you may not get the full benefit of your coverage.

An inventory-in words and pictures-of your household goods is essential to help your memory under the stress that comes with a personal tragedy like fire or theft. The items you use everyday may come to mind quickly - but what about the pearl-handled carving set used only on special occasions? Compiling a list of possessions may also provide a clue as to whether your coverage is sufficient.

In case of any loss to personal property, a written inventory will help you itemize your loss, but it won't document ownership or value. For that, you will need a photo inventory and written records such as sales receipts or a professional appraisal. Your best protection will come from a combination of all three.

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

Term Life Insurance
There may be times when you need temporary additional life insurance protection. This temporary need may be for 5 years, 10 years, or as long as 20 years. Wouldn't it be great if you could add this coverage at an affordable cost that may never increase? Whether for family or business needs, Farmers Level Term 2000 life insurance may be the right product to meet your needs.

Farmers Level Term 2000 plans provide Life Insurance coverage that remains level and, depending on your needs, the premium may be guaranteed to remain the same for as long as you need the coverage. What's more, this plan is very affordable.

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

Universal Life Insurance
For most families, their home is the biggest investment they'll ever make; and that investment is made possible through a mortgage loan. Thus a mortgage is a valuable aid to the happiness and security of the family... just as long as the mortgage payments are made on time.

Farmers Flexible Universal Life can Maximize the value of your family's mortgage insurance program, for the following reasons:

• First, Farmers Universal Life can pay off your mortgage if you should die prematurely; or it can continue the monthly mortgage payments.
• Second, it can be the source of expanded insurance protection on your life, far in excess of your mortgage balance.
• Third, Farmers Flexible Universal Life can be programmed to build additional cash and loan reserves of great proportions, over the years.
• Fourth, it can be the means of paying off your mortgage balance many years in advance of its scheduled date, thus saving you thousands of dollars in mortgage interest.
• Fifth, your policy's premium payments, death benefit, and event the type and size of coverage can be adjusted at any time to meet the current and future needs and circumstances of you and your family

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

IRA Info
The Cost of Waiting May Be Higher Than You Think... nearly $28,000 Higher.
Every day you delay opening your Farmers New World Life IRA (Individual Retirement Annuity) could mean a great deal less money for your retirement. For example, compare the results of a $2,000 IRA investment established and funded just a few months apart. What a difference a few weeks make when annual deposits are made on January 1, May 1 or September 1.

At an 8.0% interest rate, if you plan to retire in just 10 years, your IRA will be worth $1,565 more ($31,291-$29,726) if you contribute every January 1st instead of waiting until September 1st. And, by making your IRA contribution at the beginning of every year for 40 years, you'll have $27,986 more ($559,562-$531,576) than if you wait eight months until the 1st of September each year.

*Examples assume return of 8.0%, compounded annually. This interest rate is for illustration purposes only; ask your Farmers Agent for our current interest rate. Current interest rates are not guaranteed and may be changed by the company but never below the 4% minimum guarantee.

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

Towing & Road Service
Available 24 hours a day... 365 days a year
Whether away from home or in your own driveway, your Farmers Towing and Road Service provides you with 24-hour service, 365 days a year across the United States and Canada. Our dispatch service will send qualified help from a network of more than 16,000 towing and road service facilities and 10,000 professional locksmiths.

Ask your Farmers agent for a free quote!

This is a general description of coverage and is not a policy contract. The policy itself should be read for the coverage's and exclusions.

HelpPoint Service
You open your door and find your home trashed by burglars...
But you're not alone. Farmers' HelpPoint™ service is there to help you through your crisis at the moment you need help the most.

Most insurance companies promise to replace your damaged goods in time. But Farmers provides you with trained people who can help you deal with the initial shock that inevitably follows a crisis. Farmers' HelpPoint services does more than handle your claims: We help you regain your peace of mind, too.

So Farmers' HelpPoint service does more than put a check in the mail. This unique new service has trained representatives who will listen to you... people who understand the damage that can't be measured by a calculator.

When your world has been turned upside-down, we'll help you set it right again.

Help is just a phone call away. Just call (800)-HELPPOINT - that is, (800) 435-7764.

Spanish speaking customers can call 1-877-RECLAMO (1-877-732-5266) and the hearing impaired can call 1-888-891-1660. Or you can call your agent or go online (go to Farmers.com and click on "File a Claim") from the home page.

We'll help you put your life back in order. We'll help restore your peace of mind. We're here to care - and to take care of you.

Talk to your Farmers agent about the HelpPoint Service!