Call us for a quote at 480-900-8010
Farmers Smart Plan Home policy is one of the best in the industry. Here’s why.
In the event that the unexpected occurs, you will have liability coverage on your home policy that will pay for the bodily injury or property damage of another individual. Dog bites are the most reported claims that insurance companies see. Most insurance companies will not pay out on a dog bite claim if that dog is a breed that is excluded from their policy. You will not have that problem with our agency. We have no dog breed exclusions and as long as your dog does not have a documented dog bite history, we will pay out on the claim up to the policy limit. You have the option to carry liability limits as high as $1,000,000 to protect you and your family in case someone sues you for property damage or personal injury. Not enough? Purchase an Umbrella policy to increase liability limits by up to an additional $5,000,000. An Umbrella policy will also provide an extra layer of liability for your auto and specialty policies.
Replacement cost for both your home and personal property
Replacement cost comes with your policy at no additional charge. This means there is no depreciation deducted for aging of your property – we pay what it costs to replace the property with a similar type and quality, subject to the terms and conditions of your policy. This includes items like your roof or home entertainment systems.
Coverage for homes
Extended Replacement Cost of 10%, 25%, or 50% above the limit of insurance you select for your house is available. This provides you with additional protection in case the cost to rebuild your home is greater than anticipated. An additional 10% of the limit of insurance you select for your house is available to pay for any increased costs to rebuild your home in compliance with current building codes or ordinances in your area.
Coverage for personal property
Unlike competitors that list specific causes of loss that are covered, Next Generation Homeowners covers all causes of loss not specifically excluded under the policy. While all homeowners policies have coverage limitations on certain types of personal property, Farmers Next Generation Homeowners provides you more coverage for your personal property than most competitors.
Here are some examples:
■ Computers are covered up to $5,000 no matter where the loss occurs, even if used for business purposes.
■ Up to $1,000 of coverage for audio, video, and data on computers, iPods1, etc. This includes reimbursement of expenses for data restoration experts who might attempt to retrieve
■ Theft coverage of $5,000 for jewelry ($1,000 per item) and $3,000 for firearms.
■ Up to 15% of the Coverage C (Personal Property) limit is available for losses at a residence other than the one being insured. This comes in handy for insuring property of a student away at school.
■ After you have been claim-free with Farmers® for 5 years, you earn a Claim Forgiveness benefit that will prevent your premium from increasing due to your next claim.
■ In case of a covered loss that makes the home uninhabitable, we will pay up to 40% of your Coverage A (Dwelling) limit for the reasonable and necessary increase in living expenses incurred to maintain your standard of living.
■ Farmers offers discounts for customers who have invested in loss prevention by installing central monitored burglar alarms (such as ADT®) and wind-resistant roof material, or recently replaced their
electrical, heating/cooling, and plumbing systems. We also have discounts for Energy Star and LEED certified homes, as well an Eco-Rebuild option that pays increased costs for using more earth-friendly rebuilding methods after a loss.
Farmers Identity Shield - Protection against identity theft
■ We cover up to $28,500 in expenses you might incur in the process of restoring your identity (time away from work, copying
and providing documents proving your identity, etc.).
■ Your policy includes up to $1,500 in coverage for losses due to fraudulent use of your identity, including unauthorized use of
credit and debit cards or forged checks.
■ For an additional $45 per year, the Farmers Identity ShieldSM coverage provides daily monitoring of credit and public records
databases for up to two insureds. And should they become a victim, a team of identity theft specialists will work to help get
Options to address your specific coverage needs
Optional coverage is available to address your individual needs. Examples include but are not limited to:
■ Stated value coverage for expensive jewelry and fine arts items
■ Coverage for sewer and drain back up
■ Coverage for earthquakes2
■ Coverage for flood3
This insurance combines coverage for your personal property with personal liability insurance, in the event that someone is injured on your property or you damage your neighbor’s property. Give yourself the peace of mind that your home is protected.
Mobile and Manufactured Homes
We insure a variety of home types. From mobile to manufactured, to multi-sectional to modular, and more, we can make sure that your home is protected.
We'll insure your tenant-occupied dwelling, other structures, and furnishings. Additionally, we offer a landlord package that includes coverage for personal property, loss of rents, and landlord liability.
2335 S Lindsay Road, Suite 101
Gilbert, AZ 85295
Farmers Insurance Agency
of Marc Sollee ©