This Farmers package of protection is tailored to the special needs of those homeowners whose houses qualify. Its basic package contains many coverages 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. Earthquake coverage may be available for an additional premium.

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 our policy limit based on current construction costs to help adjust for inflation.

Separate structures on your property, such as a detached garage of tool shed, are covered up to 10 percent of the amount of coverage on your home. Separate structures used for business purposes are not covered here but may be insured for additional premium.

Personal Property
Your personal property is covered for up to 75 percent of the amount of coverage on your house located anywhere in the world. However, if your personal property is located at a secondary residence, such as a cabin of vacation home, the policy pays up to $1,000 or 10 percent of the on-premises coverage, whichever is greater.

While your house is covered for most types of damages, your personal property is covered only for damages resulting from the following:

• Fire or Lighting
• Windstorm of Hall
• Explosion
• Riot of Civil Commotion
• Falling Objects
• Aircraft
• Vehicles
• Smoke Damage (if sudden and accidental)
• Vandalism
• Theft
• Weight of ice, Show or Sleet
• Sudden and accidental discharge of water of steam from plumbing system or appliances
• Bulging, cracking, rupture and burning of steam or hot water heating systems and water heaters
• Artificially generated electrical current (this does not include loss to tubes, transistors or similar electronic components)
• Freezing of plumbing, heating, air conditioning system, appliances

Loss of Use/Additional Coverages
If you can't live in your house after a covered loss, we cover the additional cost of living such as hotels and meals while repairs are being made, for up to one year. Pays up to 50 percent of the amount of insurance on your house as an additional coverage with no deductible. Also pays for loss of rents if that portion of your house/property, rented to others, is unliveable.

Pays up to an additional 5 percent of the amount of coverage on your house and no more than $500 per item for a loss by Fire of Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles not owned or operated by a family member, Vandalism and Theft.

Contents Replacement Cost extends protection on your personal property to include the cost of repair or replacement without deduction for depreciation. This additional coverage pays the replacement coast up to four times the actual cash value of the item (100 percent of replacement cost in Minnesota and South Dakota), but not more than the policy limit. The coverage is optional on other policies but with Protector Plus it's built in at no additional charge.

Liability Pays for bodily injuries to other people, or damage to their property, if yu are liable, resulting from: The use of your premises, including swimming polls. 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 sated on your policy.

Additional Coverages
Emergency First Aid pays expenses you incur for necessary medical aid to other people at the time of an accident covered by the policy.

Damage to Property of Others pays up to $500 for damage to property of others caused by your qualified family member when yu are not legally liable.

Expenses Pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses, and witness fees. Also pays reasonable expenses you incur at Farmer' request, including up to $60 a day for actual loss of wages. In addition, Expenses Coverage also pays the premium on appeal bonds, and bonds to release attachments.

Optional

Mortgage Protection
Available at an additional cost) Offered by Farmers New World Life Insurance Company.

If you, your spouse of both of you die, would your family be able to afford to continue living in your house?

Our mortgage protection life insurance plans are designed to protect your family by providing cash to pay off the mortgage balance or to continue the monthly payments.

Personal Articles Floater
Extends protection for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in the policy. Pays up to the limit of the appraised value of the article.

Discounts/Credits
(Not available in all states or on all policies)

Non-Smoker Discount
If the qualified family members of your household have not smoked tobacco product in the past two years, you can save money with our Non-smoker Discount.

Protective Devices Discount
You may qualify for this discount if your home is equipped with a burglar alarm or an automatic sprinkler system.

New Homes/Home Renovation Discount
(Electrical Systems Discount in Minnesota and Missouri)

If your house was constructed within the past eight years, or if you have recently renovated your plumbing, electrical, and heating/air conditioning systems, you may qualify for the applicable discount.

Auto/Home Discount
(Available in most states)

If you insure your auto(s) and home with Farmers, you may qualify for the Auto/Home Discount.

50 Plus Discount
(55 Plus Discount in Michigan)

If you are 50 or more years old, you may qualify for our 50 Plus Discount.

This is a general description of the package and is not a policy contract. The policy itself should be read for actual coverages and exclusions. Unless otherwise stated, the policy deductible applies to the coverages mentioned on this page.