Homeowners Coverage

Dwelling and separate structures
The Texas Family Home policy covers separate structures, such as a detached garage, for 10 percent of the coverage amount you've chosen for your house.

Personal property
You'll rest easy knowing that your personal property is covered anywhere in the world up to the amount of coverage you select. Your personal property away from the premises at another of your residences is covered for up to 10 percent of the amount of coverage for your personal property.

Replacement cost
The Texas Family Home policy covers the insured dwelling, separate structures and most of you personal property for replacement cost, without a deduction for depreciation. Some items, such as fences, satellite dishes, antiques, and other items specified in the policy, are settled on an actual cash basis. See policy for details.

Personal liability
The Texas Family Home policy covers many instances when you're legally obligated to pay for bodily injury or property damage to others, resulting from events such as:

• The use of your premises, including swimming pools. (You can also cover other residential property you use for an additional premium.)
• The acts of your pets.
• Unintentional acts committed by you or qualified household members, either on or off your premises.

The policy also covers you when you're legally obligated to pay for damages for personal injury, such as libel, slander, defamation of character, etc.

Reasonable and necessary medical payments for most other people injured on your premises, regardless of your liability, will be paid up to the limits you select.

More coverage
The Texas Family Home policy doesn't stop there. It also includes these important coverages (amounts and terms of coverage are spelled out in the policy contract):

• Arson and burglary reward
• Building ordinance or law
• Identity fraud, unauthorized use of credit cards, debit cards, fund transfer cards, forgery and acceptance of counterfeit money
• Debris removal
• Fire department service charge
• Food spoilage
• Glass breakage
• Lock replacement
• Loss assessment coverage
• Trees, shrubs, plants and lawns

The "Loss of use" feature is particularly noteworthy. If your home is rendered uninhabitable by a covered loss, the Texas Family Home policy will reimburse you for additional living expenses to maintain your normal standard of living (such as staying in a motel) for up to 20 percent of the coverage on your house for as long as 24 months - and reimburse you for loss of rents for up to 12 months.

Optional coverages
We want you to tailor your coverage to fit you exactly. You may want to consider getting
these optional coverages:

• Extended Replacement Cost coverage - provides up to an additional 20 percent of the coverage on your house, if necessary, to repair or replace the damage caused by a covered loss.

• Limited Slab or Foundation Access coverage - covers access through a slab, foundation, concrete floor, etc. to repair that part of your home's plumbing system from which water suddenly and accidentally discharged.

• Limited Coverage for Water (Sewer) Backup - extends coverage for damage to your insured property from a sudden and accidental sewer backup inside the house or separate structure.

Optional lifestyle coverages
Farmers believes your coverage should fit you to a tee. It should reflect your goals, your circumstances and the kind of life you live. You can add these endorsements to the Texas Family Home policy to customize your coverage to your lifestyle:

For people who work from their homes or for themselves: Increased Limit on Business Property, Business Pursuits Liability, Office, Private Schools or Studio Liability, Child Care Liability
For the casual rancher or farmer: Incidental Farmer or Ranch Owners
For the boater: Watercraft Liability
For people with jewelry, firs, fine arts or silverware/goldware, etc,: Personal Article floaters
For hunters or gun collectors: Firearms floater