Stephen Smith Farmers Insurance Agency
112 N. 4th Ave. • Sandpoint, Idaho 83864
Call: (208) 265-4562 • Fax: (208) 263-7866
E-Mail: farmers1@sandpoint.net

ADDITIONAL COVERAGE:

TREES, SHRUBS, PLANTS & LAWNS

Pays up to an additional 5% of the amount of coverage on the residence premises and no more than $500 per item for a loss by Fire or Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles not owned or operated by a resident of the residence premises, Vandalism, Malicious Mischief and Theft.

LOSS OF RENTS

If after a covered loss, your house/property rented to others is unfit to live in, we cover the loss of rents.  We pay for the shortest time needed to make the rental livable but not to exceed twelve months.

FIRE DEPARTMENT SERVICE CHARGE*

Pays up to $500 for service charges made by a Fire Department as an additional amount of coverage, with no deductible.

DEBRIS REMOVAL

Pays up to an additional 5% of the amount of coverage on the residence premises for reasonable debris removal expense following a covered loss.

*Not available in Arizona

LIABILITY COVERAGE:

EXPENSES

Pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expenses of witnesses and witness fees.

Also pays expenses you incur at Farmers’ request, including up to $60 a day for actual loss of wages.

Pays the premium on appeal bonds, bonds to release attachment, and the cost of bail bonds.

EMERGENCY FIRST AID

Pays expenses you incur for necessary medical and surgical aid to other people at the time of an occurrence covered by this policy.

BUSINESS LIABILITY

Pays for damages from an occurrence because of bodily injury, personal injury or property damage arising out of the ownership of the rental dwelling covered by this policy.

DISCOUNTS:

NEW HOMES DISCOUNT (ELECTRICAL SYSTEMS DISCOUNT)

If your house was constructed this year or within the past 7 calendar years, you qualify for a New Homes Discount.  The actual discount depends directly upon the actual age of your house.

OPTIONAL COVERAGE:

EARTHQUAKE

Extends protection for damages caused by an earthquake up to the policy limits.

FLOOD (FEDERAL PROGRAM)

Coverage for flood is available from the Federal Flood Insurance Program.  If you are interested, we can help you submit your application.

RENTERS PACKAGE POLICY:

THE PACKAGE POLICY FOR RENTERS FROM FARMERS INSURANCE GROUP OF COMPANIES

PERSONAL PROPERTY:

Your personal property is covered for a loss by the following perils:

The following is a general description of the package and is not a policy contract.  The policy itself should be read for the actual coverage and exclusions.

PERSONAL PROPERTY:

Your personal property, which is rented or held for rent with the rental dwelling, is covered while it is on the insured location.

Your personal property in the rental dwelling is covered for a loss by the following perils:

HOME OWNERS INSURANCE 

Our Farmers Homeowners package policy is designed to provide coverage* you need for your home, your personal possessions and family liability protection.

Your dwelling is covered for loss caused by fire, lightning, windstorm, hail and many other specified physical hazards, as well as blanket glass protection on your home.

Complete Liability Protection for you and your entire family against claims arising from injuries or damage incurred on or off your premises … even while engaged in sports.

Your Personal Possessions – such as jewelry, silverware, cameras, sports equipment – are also covered for loss caused by theft and robbery, while on or away from your premises … worldwide coverage.

The contents of your home are covered for loss caused by fire, theft, burglary, robbery, vandalism, smoke damage and many other hazards.

*Subject to policy limits.

 This is not a policy contract but a general description.  The policy itself should be read for the coverages and exclusions.

RENTAL INSURANCE
 
Landlord’s Protector Package … a package of protection for your 1 or 2 unit rental property.

PACKAGE OF PROTECTION TAILORED TO YOUR NEEDS

PROPERTY COVERED:

The house and any separate structures on the residence premises and used principally as a private rental residence are covered for almost any type of damage except for a few common sense exclusions listed in the policy such as wear and tear, earth movement (including earthquake), flood, and nuclear hazard.

Your house that is rented to others including attached structures and wall-to-wall carpeting are covered up to the limit you select.

Separate structures on your rental property, other than for business purposes, such as a detached garage or tool shed, are covered up to 10% of the amount of coverage on your house.

This is a general description of the package and is not a policy contract.  The policy itself should be read for the coverage and exclusions.

ADDITIONAL COVERAGE:

ADDITIONAL LIVING EXPENSES

Pays the additional costs of living in hotels, eating in restaurants, etc., while living quarters are not habitable due to insured loss.  Limited to 20% of insurance on personal property.

IMPROVEMENTS AND BETTERMENTS

Covers improvements, alterations or additions you make to rented property.  Limited to 10% of insurance on personal property.

PERSONAL PROPERTY AWAY FROM HOME

Coverage applies to your personal property anywhere in the world.  Limited coverage applies to your property usually located at other than your residence premises.

PERSONAL LIABILITY PROTECTION:

This coverage gives you and your family living with you 24 hour a day liability protection against claims caused by almost any unintentional act.

You are covered for accidents caused by your pets and your participation in sports activities.

Coverage applies where you live and all other premises you may own such as vacation cabins, vacant land, etc.  And, reasonable medical payments are provided for guests whether you are liable or not.

DISCOUNTS/CREDITS: *

NON-SMOKER DISCOUNT

If the qualified family members of your household have not smoked tobacco products in the past two years, you can save money with our Non-Smoker Discount.

50 PLUS DISCOUNT

If you are 50 or more years old, you qualify for our 50 Plus Discount.

AUTO/HOMEOWNERS DISCOUNT

If your personal autos are also insured with Farmers, you may qualify for a discount on your Renters policy.

*Not available in All States.

• Fire or Lightning
• Windstorm or Hail
• Explosion
• Riot or Civil Commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism
• Theft
• Glass Breakage
• Falling objects
• Weight of ice, snow or sleet
• Sudden and accidental discharge of water or steam from a plumbing, heating or air conditioning system, or domestic appliance
• Collapse of building
• Freezing of a plumbing, heating, air conditioning system or household appliance
• Sudden and accidental damage from artificially generated electrical current (Does not include loss to tubes or transistors).

This is not a policy contract but a general description.  The policy itself should be read for the overages and exclusions.

Additional Coverage

TREES, SHRUBS, PLANTS AND LAWNS … pays up to an additional 5% of the amount of coverage on your mobile home and no more than $500 per items for a loss by Fire or Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles not owned or operated by a family member, Vandalism or Malicious Mischief and Theft.

LOSS OR USE … if you can’t live in your mobile home after a covered loss, we cover the additional cost of living in hotels, meals, etc.  Pays up to 20% of the amount of insurance on your mobile home as an additional coverage with no deductible.

Family Liability Protection

Pays for bodily injuries to other people, or damage to their property, if you are liable, resulting from:

The acts of your pets.

The personal acts of you and qualified family members, including activities such as sports, hunting or fishing.

The Medical Payments for other people injured on your premises, regardless or liability.

Additional Liability Coverage

EXPENSES … pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of  witnesses and witness fees.

Also pays expenses you incur at Farmers’ request, including up to $60 a day for actual loss of wages.

Pays the premium on appeal bonds, bonds to release attachments, and the cost of bail bonds.

EMERGENCY FIRST AID … pays expenses you incur for necessary medical and surgical aid to other people at the time of an accident you’re involved in.

DAMAGE TO PROPERTY OF OTHERS … pays up to $500 for damage to property of others caused by a qualified family member where you are not legally liable. 

OPTIONAL COVERAGE

Personal Articles Floater:  Extends protection for your personal articles when their value is higher than the limits stated in the policy.  Pays up to the limit of the appraised value of the article.

Earthquake:  Extends protection for damages caused by an earthquake up to the policy limit.

Personal Property

Covers personal property owned or used by a qualified family member anywhere in the world.

ON PREMISES … pays up to 50% of the amount of coverage on your mobile home anywhere else in the world.  If your personal property is located at a secondary residence, such as a cabin or vacation home, pays up to $1,000 or 10% of the On Premises coverage, whichever is greater.

While your mobile home is covered for most types of damages,  your personal property is covered only for damages resulting from the following:

• Fire or Lightning
• Windstorm or Hail
• Explosion
• Riot or Civil Commotion
• Falling Objects or Aircraft
• Vehicles
• Smoke Damage
• Vandalism and Malicious Mischief
• Theft
• Weight of Ice, Snow or Sleet
• Water or Steam – accidentally discharged from plumbing system or appliances
• Damage resulting from bulging, cracking, rupture and burning of steam or hot water heating systems and water heaters
• Electrical Damage to appliances and fixtures (but not tubes or transistors)
• Freezing of plumbing, heating, air conditioning system, appliances

MOBILE HOME INSURANCE

Special Form Mobile Homeowners Package Policy:

Enjoy Carefree Mobile Home Living

Property Covered

Your mobile home and separate structures are covered for almost any type of damage, except for a few common sense exclusions such as wear and tear, earth movement, flood and nuclear hazard.

YOUR SEPARATE STRUCTURES … on your residence premises, other than for business purposes, such as a detached garage or tool shed, are covered up to 10% of the amount of coverage on your mobile home.

Optional higher limits are available.