Fields Insurance and
Financial Services
Financial Services
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| Toll Free: 800-528-6868 ext -216 Direct: 650-931-8616 Fax: 650-931-8601 e-mail: tfields@farmersagent.com |
| CA License #0E39412 |
| Serving California Since 2004 |
| The coverage you need, the options you want Your home is like no other. And the Farmers Next Generation Homeowners policy was made with homeowners like you in mind. It fits your home and your needs. See what it has to offer:
In addition, as a Farmers® customer you have access to HelpPoint,® a unique claims service. You can call for immediate help, 24/7, free of charge. Best of all, you get a Farmers agent who is:
The Farmers Next Generation Homeowners policy gives you peace of mind. Your house, personal property and separate structures (such as a detached garage) are covered for many of the everyday risks you face as a homeowner in protecting your property and assets. As with any insurance policy, coverage is subject to the policy’s terms and conditions. Not all causes of loss or damage are covered. It’s important to read any insurance policy you choose. Separate structures The Farmers Next Generation Homeowners policy covers separate structures for an amount equal to 10 percent of the amount you choose for your house. Personal property You’ll rest easy knowing that your personal property is covered anywhere in the world. Your personal property usually located at a secondary residence is covered for up to 15 percent of the amount of insurance for your personal property. Replacement cost Farmers Next Generation Homeowners policy pays for loss to your home on a replacement cost basis up to the coverage limit you choose. There is no deduction for age, wear and tear and other depreciation. In addition, under the extended replacement cost coverage included in the policy, we will pay up to an additional 25 percent of the limit of insurance on the house, if necessary, to repair, rebuild or replace covered damage to your home if you comply with the coverage conditions. Contents replacement cost coverage is also included. This means your damaged personal property will also be repaired or replaced without deduction for depreciation. Building codes Building Ordinance or Law coverage, covering the cost of complying with building codes after a covered loss, is included in the policy up to an additional 10 percent of the amount of insurance for your home. More coverages The policy doesn’t stop there. It also includes these coverages (amounts and terms of coverage are spelled out in the policy contract):
providing limited expense reimbursement.
The “Loss of Use” coverage is noteworthy. If your home is rendered uninhabitable by a covered loss, the Farmers Next Generation Homeowners policy will reimburse you for reasonable and necessary additional living expenses to maintain your normal standard of living (such as staying in a motel). Under this coverage, we pay you for additional living expenses you have incurred up to an amount equal to 40 percent of the coverage limit. We will also reimburse you for “loss of rents” for up to 12 months. Personal liability Farmers Next Generation Homeowners policy covers many instances when you’re legally obligated to pay for bodily injury or property damage to others, resulting from events such as:
Your personal liability coverage also includes expenses we incur defending you against covered lawsuits, such as court costs and attorney, investigator and witness fees. It also pays expenses you incur at Farmers’ request, including up to $250 per day for actual loss of earnings when we ask you to attend hearings or trials as well as the premium on bonds required in a lawsuit we defend. Liability coverage is not subject to deductible. Damage to property of others In addition, at your request, we pay replacement cost up to $1,500 for damage you or your qualified household member caused to the property of others. First aid to others expenses Farmers Next Generation Homeowners policy pays the costs you incur for necessary medical aid to other people at the time of a covered occurrence. Optional coverages We want you to be able to tailor coverage to fit your needs exactly. You may want to consider getting these optional coverages at additional cost:
additional 25 percent to reconstruct your house, if it is needed to repair or replace the damage caused by a covered loss. Higher Limits for Building Ordinance or Law coverage — You can increase the base 10 percent coverage limit by purchasing higher limits of 25 percent or 50 percent. These limits are based on the amount of insurance you choose for your home. Personal Injury coverage Farmers Next Generation Homeowners policy provides coverage when you are legally obligated to pay damages for personal injury, such as libel, slander and defamation of character. Optional lifestyle coverages Farmers believes your coverage should fit your home and your needs. It should reflect your goals, your circumstances and the kind of life you live. You can add these endorsements to Farmers Next Generation Homeowners policy to customize your coverage to your lifestyle:
Specified Business Pursuits Off Residence Premises, Business Pursuits Liability, Home Child Care Services endorsements For people with significant jewelry, furs, fine arts or silverware/goldware, etc.: Scheduled Personal Articles coverage endorsements Discounts to stretch your insurance dollar For taking good care of your home
For having more than one Farmers policy
Just for turning 50 years old Deductibles You can save on your insurance premium with higher deductibles by sharing more of the cost of a loss. Ask me or details. Enjoy the benefits of Homeowner’s insurance even if you rent or own a condominium. If you rent or own a condominium, you still need coverage for your household contents and personal belongings and personal liability. |
| Farmers Next Generation HOMEOWNERS POLICY Homeowners - only Better ... |
Personal and Commercial Insurance
Life - Benefits - Long Term Care
Mutual Funds - IRA - College 529 - 401K
635 Mariners Island Blvd. Suite 100
San Mateo, CA 94404
Life - Benefits - Long Term Care
Mutual Funds - IRA - College 529 - 401K
635 Mariners Island Blvd. Suite 100
San Mateo, CA 94404