Renters Insurance Coverage

Standard Coverage Optional Coverages
At Farmers we realize that your belongings are just as important as a homeowner's belongings. Our renters policy provides coverage for your household contents and personal belongings.

Furthermore, in the event someone is injured at your place, you could be held legally liable for the injury. Our renters policy provides personal liability coverage should this ever occur.

As a Farmers customer you have access to HelpPoint, a unique claims service that has been recognized by JD Power three years in a row for providing an "outstanding customer service experience." You can call HelpPoint® for immediate assistance, 24/7, free of charge.

Best of all, you get a Farmers agent who can answer your questions about the policy and its coverages, discounts you may qualify for and deductibles you may choose. Most importantly, your Farmers agent can help you choose the coverage you want with flexible payment terms you can live with.

Standard Coverage:
Your Possessions
You choose the amount of coverage based on the property you own.
Personal property is covered anywhere in the world.
Coverage is on a named-peril basis, which means that only losses resulting from causes listed in the policy are covered (subject to exclusions).
Liability

Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments
Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses
Covers additional living expenses if a covered loss makes your living quarters uninhabitable. Coverage is based on a percentage of the amount of insurance you choose for your personal property.

Optional Coverage:
Scheduled and unscheduled coverage of important valuables is available.

Replacement CostContents replacement cost is available to pay for the cost of repairing or replacing lost or damaged items without deducting for their depreciation.


Identity ShieldSMState-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.