Auto Glass Replacement Program:

Farmers insurance provides one of the fastest and most convenient glass replacement programs available. One call to Holly Kornachuk brings a certified technician to your location to install glass that carries a lifetime guarantee.  Many times repairs can be made within 24 hours on this nationwide program.

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Homeowners Insurance:

Our Preferred or Ultra preferred policies offer liability, building and personal property coverages for losses due to many perils including:
 

	Fire
	Theft
	Wind
	Lightning

We can tailor a package to meet your needs.

Condominium or Townhouse Insurance:

Farmers condominium owners package has the coverage you need and the options you want.

Loss of 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.  Up to $50,000 is available, depending on your policy.
 

Additional living expense:  If your condominium becomes unlivable due to an insured loss, we pay for those extra costs of housing, meals, etc., up to the applicable limit.
 

Improvements, alterations, additions:  You also are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, up to $2,000 or 10% of your basic coverage amount.  You also may arrange for higher limits.
 

Off-premises coverage:  This provides worldwide coverage for your personal property.  Your personal property is covered at a second dwelling such as a cabin or vacation home.  This coverage is limited to 10% of basic coverage or $1,000, whichever is greater.

Your personal property is covered against these losses:

	Fire or lightning
	Windstorm or hail
	Explosion
	Riot or civil commotion
	Falling objects
	Aircraft or vehicles
	Smoke, if sudden or accidental
	Vandalism or theft
	Weight of ice, snow or sleet
	Accidental discharge or overflow of water or steam from a plumbing, heating, or air conditioning system or 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, or air conditioning system or household appliance
	Sudden and accidental damage from an artificially generated electrical current *
	Collapse of building

Various deductible combinations are available on most coverages, except Personal Liability. Ask Holly Kornachuk for more details.
* Does not include loss to tube, transistor, or similar electronic component.

Personal Liability coverage:

Your personal liability pays for bodily injuries to other people, or damage to their property, if you are liable resulting from:

	Unintentional acts committed by qualified family members while engaged in such activities as hunting, fishing, and/or other sports
	The acts of your pets
	Unintentional acts committed by you or qualified family members, either on or off your premises

Legal expenses:

You are covered for any expense in a suit that we defend on your behalf, such as court costs, attorneys fees, investigator fees, expense of witness and witness fees, as well as the premium on appeal bonds and bonds to release attachments.

Additional liability coverages available:

	Emergency First Aid
	Damage to property of others
	Personal property coverages -  (available for an additional cost)

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Protector Plus Homeowners Package:

Improve the coverage on your home

Protector Plus offers coverage you won't find in traditional homeowner policies.  It also offers higher limits on a wide range of personal property, including securities, manuscripts, watercraft and trailers. Even your valuable stamp collection!

Extra property coverage

With Farmers Protector Plus Homeowner Package, your house and separate structures are covered for a wide range of damage except the common exclusions listed in your policy.

Your house and any attached structures, including wall-to-wall carpeting, are covered up to 125% of the limit you select. Our built-in Value Protection Feature adjusts your policy limit based on current construction costs so there is no worry about inflation.

Even separate structures on your property, such as a detached garage or tool shed, are covered up to 10 percent of the coverage on your home. Separate structures used for business purposes are not covered, but may be insured for an additional premium.

Protector Plus Homeowners Package provides the same Personal Property Protection, Additional Coverages and Personal Liability Coverage as the condominium package.  To review these click Here.  additional optional coverages are available to fit your need. Ask Holly Kornachuk for details.

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Personal Umbrella

A Farmers Personal Umbrella Policy gives you the peace of mind you want.  The Farmers Personal Umbrella offers:

	Additional liability insurance, over the limits of your Auto,  Homeowners, Recreational Vehicle or Boat Liability policy limits.
	Coverage for certain types of unexpected exposures (e.g., defamation of character, invasion of privacy, libel, slander) that might not be covered by your current policies (some exclusions apply).
	Coverage for legal costs (including legal representation, court costs, interest on judgments and premiums on necessary bonds; limitations and restrictions apply).

Coverage under the Farmers Personal Umbrella policy is written in increments of $1 million.  The cost for this high level coverage is amazingly low.  Ask Holly Kornachuk for a quote.

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