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HOME INSURANCE - for Condominium
Farmers Condominium Policy has the coverage you need and the options you want. We have the expertise to give you the best coverage combinations to fit your lifestyle and budget. Here is what our Condominium policy covers.
Loss Assessment
You'll receive up to $1,500 assessment arising from a covered damage. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Typically, up to $50,000 is available, but this may vary depending on your policy.
Additional Living Expense
If your condominium unit becomes uninhabitable due to a covered 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, subject to your policy limits.
Off-Premise Coverage
Your personal property is protected worldwide. If your clothes are stolen while vacation - you're covered.
Your personal property is covered if it is damaged by:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Falling objects
- Aircraft or vehicles
- Smoke, if sudden and accidental
- Vandalism or theft
- Weight of ice, snow or sleet
- Accidental discharge or overflow of water or steam from a plumbing, heating, air conditioning system of household appliance
- Sudden and accidental tearing apart, cracking, burning, or bulging of a steam, hot water, or air conditioning system, or appliance for heating water
- Freezing of a plumbing, heating, air conditioning system or household appliance
- Sudden and accidental damage from artificially generated electrical current
- Collapse of building
Personal Liability Coverage
Personal Liability pays for bodily injuries to other people, or damage to their property, if you are liable resulting typically from:
- Unintentional acts by you or your family member while engaged in activities such as hunting, fishing and other sports.
- Unintentional acts by you or your family member, either on or off your premises
- The acts of your pets
Optional coverages
Discounts
Check if you qualify for the discounts
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