Residential

 

Residential coverage is for the "average" homeowner's insurance needs. A typical policy usually includes coverage for:

• Dwellings and other structures - For most of us, our home is the single, largest investment we will make. Homeowners insurance provides coverages for damage to your home and other structures on your property such as a shed or detached garage.
• Personal Property - Homeowners insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot but those items all add up.
• Personal Liability - Finally, in the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner policy provides liability and personal property insurance to financially protect you should this ever occur.

If you recently purchased a home or if you would like to review and update your current policy, please contact me at any time.

 

Landlord

 

If you own property and rent it to others, we offer an insurance plan that meets the real-world needs of landlords. That's what sets our program apart - we specialize in helping landlords like you get the most value for your money.

 

We aren't the only company selling landlord and rental property insurance today. That's why we're committed to doing a better job than the competition. You don't have to pay for a lot of unnecessary extras that many other companies bundle into their policies. We provide landlords solid coverage in a highly flexible package. When you work with me, you have access to the nation's most experienced team of insurance experts.

 

We'll insure your tenant-occupied dwelling, other structures and furnishings. Additionally, we offer a landlord package that includes coverage for personal property, loss of rents and landlord liability.

 

Broad Eligibility

 

We sell Dwelling Fire One and Dwelling Fire Three landlord and rental policies. The following types of properties are eligible for our program:

• Multiple location landlord properties (including limited license corporations and corporations)
• Duplexes, triplexes and quads
• Converted Victorians
• Row homes
• Properties with up to four living units
• Older and lower-value homes
• Homes with minimal cosmetic conditions
• Vacant homes
• Properties under renovation
• Fixer-uppers

Property Coverage

 

Our Landlord policy provides property coverage in the event of a loss. Property insurance covers physical loss to your property. While no insurance policy covers everything, your policy should cover a wide range of possible damages or causes of loss. Our landlord policy provides coverage on a comprehensive or named peril basis, including coverage for:

• Fire
• Explosion
• Lightning
• Windstorm
• Hail damage

·  Optional Coverages

 

We offer important optional coverage that let you customize you policy. Some coverages may be subject to company approval and may not be available in all states. These are a few of the most popular coverage options:

• Replacement cost coverage on the home
• Liability coverage
• Coverage for theft
• Coverage for vandalism
• Loss of rents
• Landlord Personal Liability Coverage

Coverage for Vacant Property

 

If you purchase a home to renovate and rent out, or if you're between tenants and the home is temporarily vacant, we have coverage for vacant properties. We offer up to two years of coverage for vacant properties, and your policy can be cancelled at any time with a pro-rated premium return (subject to minimum earned premium).

 

Settlement Methods

 

Your settlement method depends on which policy you choose and whether or not you purchase any optional endorsements.

• Actual Cash Value. Our base policy has an Actual Cash Value settlement. An ACV settlement is the cost to replace or repair you damaged property, with a deduction to reflect the age and condition of the damaged property.
• Replacement Cost . Our policy with Replacement Cost settlement reflects the cost to repair or replace damaged items with new items at today's prices.
• Agreed Loss Settlement. An Agreed Loss Settlement means that in the case of a covered total loss to the home, your settlement will be the Amount of Insurance listed on your Declarations Page, with no deductible on the coverage for your home, unless stated elsewhere in the policy.
• Extended Replacement Cost. For a covered total loss, if the cost to replace the home is more than the Amount of Insurance, up to an additional 25% of the Amount of Insurance on the home is available.

Some coverage may be subject to area restrictions and limited. Please contact me to learn more and to find out which options are the best for you.

 

Personal Liability Coverage

 

It seems a little strange to think that someone could win a lawsuit after spilling their hot cup of coffee because they were not warned the beverage was hot. Unfortunately, today, human error and accidents usually end in someone's monetary gain. But it doesn't have to mean your loss.

 

Did you make sure to clear all of the ice off of your sidewalk this winter? What about that loose hand-rail on your step—is it securely fasted? Whether you're deemed negligent or deemed the most careful homeowner on your block, you can still be liable for an accident that occurs on your property. Personal Liability provides protection in such an instance. It also extends financial protection to you should you cause an accident to or on someone else's property.

 

Accidents happen but you can be in control of how it affects you. Contact me today to learn more about personal liability coverage, its limits, and discuss your need for liability coverage.

 

Personal Property Coverage

 

To most of us, our belongings are just as important as our homes. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot but those items all add up.

Apartment and Townhome Renters Insurance provides coverage for your household contents and personal belongings. Also known as contents coverage, it provides coverage to damages caused to these items. Have a beautiful, and probably expensive, home theater system? Have jewelry, photographs, and other items that have sentimental value? Money may not be able to cover the emotional loss that you experience but it can help to replace those valuables.

 

Contact me for more information about the coverage amounts that your homeowners policy provides and if you should consider having your personal property covered.

 

Flood Insurance

 

Unquestionably, the Hurricane Katrina disaster of 2005 brought Flood Insurance and the federal organization (FEMA), that mandates it, to our attention. It was one of the deadliest and costliest natural disasters in U.S. history.*

 

Every year flood losses account for millions of dollars in damages. Some homeowners and businesses are covered, but for some, losses incurred are catastrophic. Flood insurance is a good buy, even in low or moderate risk areas, as nearly 25 percent of all flood insurance claims come from low-to moderate-risk areas.

 

As Flood insurance is not a standard part of most Homeowners policies, it is a good idea to speak to your agent to determine if your home or business is at risk for damages caused by flooding. Please call me with any questions that you have about your current flood insurance policy or if you believe you should have flood insurance.

 

*http://www.iii.org/media/facts/statsbyissue/flood/

**Although these statistics are from a deemed reputable source, they do come from a third party Web site and Farmers is not responsible or liable for information provided

 

Renters

 

Protect your belongings and protect the assets you've worked so hard for!

• Personal Property - Apartment and Townhome renters insurance provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot but those items all add up.
• Personal Liability - In the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. The renters policy provides personal liability coverage to financially protect you should this ever occur.

Specialty Homeowners

 

Many homes don't qualify for "standard" or "preferred" insurance for many different reasons. That's what sets our program apart - we specialize in homes that may not qualify elsewhere.

 

Coverage Options

 

We sell both homeowners and owner-occupied dwelling fire policies and cover the following kinds of properties and risks:

• Primary residences, seasonal and secondary homes
• Homes older or lower in value
• Homes with minor cosmetic conditions
• Applicants with credit or loss issues
• Applicants who have been declined, cancelled or non-renewed by another insurance company
• And more!

Mobile and Manufactured Homes

 

We aren't the only company selling Mobile Home insurance today. That's why we're committed to doing a better job than the competition. It all starts with your policy. We've constantly refined our policy to give you more specialized coverages. And with over 50 years experience in insuring mobile homes, you can rest assured knowing your Mobile Home policy gets you access to the nation's most experienced team of mobile home experts.

So go ahead, relax. Leave the insurance to us.

Unlike other companies, we offer several coverages that come standard in a Mobile Home policy. A Mobile Home policy is packed full of coverages designed specifically for mobile homes so you get more value and more security

While no insurance policy covers everything, your policy should cover a wide range of possible damages or causes of loss. Our Mobile Home policy features comprehensive coverage - standard. That means we cover direct, sudden and accidental physical losses that aren't specifically excluded in your policy, like:

• Fire
• Vandalism
• Landslide
• Falling Objects
• Explosion
• Off Right-of-Way Collision
• Attempted or Actual Burglary or Robbery
• Water Damage from Bursting Pipes
• Damage from Ink, Paint, Dye, Shoe and Nail Polish
• Damage by Wild or Stray Animals
• Collapse from the weight of ice and snow
• Wind
• Hail

Liability Coverage

 

Liability coverage is an important part of your insurance package and also comes standard with a Mobile Home policy. It covers you if you're found legally responsible for an accident that causes injury or property damage to someone who doesn't live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage, as well as legal counsel for you and legal cost reimbursement if you're sued.

 

Additional Coverages Included With Your Policy

 

We automatically includes these important coverages in your Mobile Home policy:

• Additional Living Expenses
• Trees, Shrubs, Plants and Lawns
• Debris Removal
• Emergency Removal Service
• Credit Card and Check Forgery
• Emergency Repairs After a Loss
• Fire Department Service
• Food Spoilage Coverage

Optional Coverages

 

Some coverages may be subject to company approval or may not be available in all states. These are a few of the most popular coverage options:

• Trip Coverage When Moving Your Home
• Personal Liability Coverage on Additional Residences
• Scheduled Personal Property Coverage
• Earthquake Coverage
• Replacement Cost Coverage for your mobile home, Other Structures and Personal Belongings

Settlement Methods

• Agreed Loss Settlement. If your home is destroyed by an insured loss, you get the full amount of insurance shown on your Declarations Page for your home, minus any applicable deductible. No hassles, no arguments.
• Optional Replacement Cost. Purchase optional Replacement Cost Coverage and get a settlement that reflects the cost to replace the damaged items with new property at today's prices. With this optional coverage you can receive up to 120% of the insured amount, if needed, to replace your home. (Not available in all states.)

Motor Homes

 

Take to the road in your motor home and choose your own adventure. Will you drive to camp in the mountains or to take in a sporting event? You know the great outdoors. And with the open-ended possibilities that lie ahead, the right insurance shouldn't be a question.

Here are some of the Motor Home coverages we offer that aren't included in a typical auto policy:

• Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
• Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

Here are some of the popular optional Motor Home coverages:

• Total Loss Replacement Coverage that protects your motor home from the effects of depreciation. If your new-model motor home is destroyed within its first five years, we'll pay to replace it with a brand new one of similar kind and quality no matter what it costs. In years six through ten, we'll give you up to what you paid for it originally toward the purchase of another motor home. This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your motor home at the time it's destroyed. ACV is the current value of your motor home.
• Emergency Expenses Coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
• Campsite/Vacation Liability Coverage that provides liability coverage when you are parked and using your motor home as a residence.
• Replacement Cost Coverage on personal belongings destroyed or stolen.
• Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What's more, your motor home is covered regardless of who is driving!
• Full-Timer Coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your motor home as a vehicle, a Foremost Full-Timer policy covers you when you are parked and using your rig as a residence, too.

We offer optional coverages that let you customize your policy. Some coverages may be subject to company approval or may not be available in all states. Contact me at any time for more information.

 

Travel Trailers

 

Take to the road with your travel trailer and choose your own adventure. Will you drive to camp in the mountains or to take in a sporting event? You know the great outdoors. And with the open-ended possibilities that lie ahead, the right insurance shouldn't be a question.

 

Our policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV policies offered by other companies. A Foremost travel trailer insurance policy, on the other hand, can give you more security and more value for your money.

 

Here are some of the travel trailer coverages we offer that aren't included in a typical auto policy:

• Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
• Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

These are a few of the most popular coverage options:

• Total Loss Replacement Coverage that protects your travel trailer from the effects of depreciation. If your new-model travel trailer is destroyed within its first five model years, we'll pay to replace it with a brand new one of similar kind and quality – no matter what it costs. In years six through ten, we'll give you up to what you paid for it originally toward the purchase of another travel trailer. This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your travel trailer at the time it's destroyed. That's the current value of your travel trailer.
• Emergency Expenses Coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
• Campsite/Vacation Liability Coverage that provides liability coverage when you are parked and using your travel trailer as a residence.
• Replacement Cost Coverage on personal belongings that are destroyed or stolen.
• TraveLine® Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What's more, your travel trailer – and your tow vehicle – are covered, regardless of who is driving!
• Full-Timer Coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are on the road, a Foremost Full-Timer policy covers you when you are parked and using your rig as a residence, too.
• The Stationary Travel Trailer Program gives you extensive comprehensive and contents coverage if you use your travel trailer as a seasonal or permanent residence. This includes liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liable. This program provides you with additional protection since your auto or homeowners policies may not extend coverage to you.

Applicants with Credit or Loss Problems

 

We sell both homeowners and owner-occupied dwelling fire policies and cover the following kinds of properties and risks:

• Primary residences, seasonal, and secondary homes
• Homes older or lower in value
• Homes with minor cosmetic conditions
• Applicants with credit or loss issues
• Applicants who have been declined, cancelled or non-renewed by another insurance company

You should know, that it isn't impossible to get insurance and that we will help find the best products for your needs in order for you to be protected.

 

Identity Shield

 

Shield your identity - Did you know that identity theft is the fastest growing crime in the U.S.? It has been listed as the number one consumer complaint for seven consecutive years. According to the Federal Trade Commission losses stemming from identity theft total more than $56 billion annually with out-of-pocket expenses for victims are increasing. The average victim takes 175 hours to restore their lives after identity theft and there are 27,000 new victims of identity theft daily. Don't be one of them.

This option is to help our customers deal with ID theft. This endorsement to our homeowners policy provides:

• Insurance
  up to $30,000 in coverage
• Proactive monitoring services
  tools to review and monitor your credit and public records for members of your household
• Identity Resolution Services
  knowledgeable representatives to guide you through the ID recovery process and to provide multiple services, such as preparing all correspondence to notify credit bureaus and financial institutions, and placing fraud alerts and security freezes with credit bureaus
• Travel assistance and document replacement
  24/7 help in canceling and replacing lost or stolen documents, from passports and visas to airline tickets and driver's licenses
• Proactive consumer education
  valuable information online and via newsletters and e-mail updates

In the unfortunate event that your good name falls into bad hands, having identity protection coverage in place may offer one option to what can become a high-priority problem. Contact me to find out more about this attractive industry-leading coverage.

 

Personal Umbrella Liability Coverage

 

You may be covered to an extent, but what if you have a lot to lose if someone decides to sue you? A Personal Umbrella Liability policy is designed to cover you if you should ever experience a large lawsuit or a large accident that exceeds your current coverage.

The policy provides extra protection in three ways:

• Liability Insurance that adds to the limits of your Automobile, Homeowners and Recreational Vehicle or Boat Liability policy limits.
• Coverage for unknown or unexpected exposures that are excluded in typical Auto, Homeowners, Recreational Vehicle or Boat Liability policies.
• Coverage for the cost of your legal defense. This includes court costs, interest on judgments, and premiums on necessary bonds.

Contact me if you think you need an Umbrella Liability Policy, or if you have further questions regarding this type of coverage.