Renters Coverage

Farmers Renters package will reimburse you for lost or damaged items. If the loss makes your home uninhabitable, the Farmers Renters package will also pay the additional cost of hotel, meals, and related expenses.

Personal property
• You choose the amount of coverage based upon the property you own.
• Covered losses include:
   — Theft
   — Vandalism
   — Smoke, if sudden and accidental
   — Accidental discharge of water or steam from plumbing,
       heating or air-conditioning system, or household appliance
   — Fire or Lightning
   — Windstorm or hail
   — Explosion
   — Glass breakage
   — Falling Objects
   — Collapse of building
   — Vehicles
   — Weight of ice, snow, or sleet
   — Riot or civil commotion
   — Aircraft

Loss of use
• Covers additional living expenses if your living quarters are uninhabitable due to an insured loss.
• Coverage based upon a percentage of your personal property coverage.

Personal liability
• Pays for bodily injury or property damage to others, if you are liable, resulting from:
   —Unintentional acts committed by you or qualified family members, either on or off premises.
   —The acts of your pets.
• Includes costs to defend claims and/or lawsuits.

Medical expenses to others
• Coverage for medical payments for people other than residents of your household injured at your residence, regardless of liability.