Coverage's that are included in the homeowners insurance policy:
Farmers® Homeowners insurance gives you options so you can choose the coverage you want. Your house is covered for many types and causes of loss, subject to common exclusions including, but not limited to wear and tear, earth movement, earthquake, mold, flood and nuclear hazard.
Homeowners insurance covers many household contents and personal belongings. You may think your furniture, clothing, TV, DVD and PC aren't worth a lot but the value of those items all add up.
Separate structures on your property other than those used for business purposes (such as detached garage or tool shed) are covered up to 10% of the coverage limit on your house. Higher limits are available for additional premium.
Loss of Use:
If you can't live in your house after a covered loss, we reimburse you for many of the increased costs of living in hotels, meals, etc., up to the applicable limit of insurance and for up to the time period specified.
In the event someone is injured on your property or you accidentally damage property that belongs to others, you could be held legally liable for the bodily injury or the damage to the property. Liability coverage pays for damages for which you are held legally liable, and also pays to defend and settle covered lawsuits. Damages payments are subject to your liability limit.
Pays medical costs, up to limit selected by you, for persons other than you or any resident of your household who are injured at your residence, regardless of your legal liability.