Homeowners

You've worked hard to earn the finer things in life. And your home is the ultimate statement of your success. So it's understandable that you'd want only the best in insurance coverage - Farmers Protector Plus Homeowner Package. Protector Plus offers you a myriad of coverages you won't find in traditional Homeowner policies. It also offers you higher limits on a wide range of personal property like, 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 almost any type of damage except for a few common exclusions listed in your policy, such as wear and tear, earth movement, flood, nuclear hazard, and earthquake. 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 strucrures on your property, such as a detached garage or toolshed, are covered up to 10 percent of the amount of coverage on your home. Separate structures used for business purposes are not covered in your basic policy, but may be insured for additional premium.

Personal Property
Your policy covers your personal property, located anywhere in the world, for up to
75 percent of the amount of coverage on your home. However, if your personal property is located at a secondary residence, such as a vacation home, the policy pays up to $1,000 or 10 percent of the on-premises coverage, whichever is greater. Your personal property is covered for damages resulting from:

• Fire or lightning
• Windstorm or hail
• Explosion
• Damage to glass
• Riot or civil commotion
• Falling objects
• Aircraft
• Vehicles
• Volcanic action
• Smoke damage: sudden and accidental
• Vandalism
• Theft
• Weight of ice, snow or sleet
• Water or steam: sudden and accidental discharge of water and steam from plumbing system or appliances
• Bulging, cracking, rupture, and burning of steam or hot water heating systems and water heaters
• Artificially generated electrical current (this does not include loss to tubes, transistors or similar electronic components)
• Freezing of plumbing, heating, air conditioning system, appliance

Additional coverages
If you can't live in your house after a covered loss, we cover your additional cost of living, such as hotels and meals while repairs are made, for up to one year. Your coverage also pays up to 50 percent of the amount of insurance on your house additional coverage with no deductible. Loss of rent that you incur as a result of that portion of your house/property, rented to others, being unlivable will be paid.

Your coverage pays up to an additional 5 percent of the amount of coverage on your house 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 family member, vandalism and theft.

Our Contents Replacement Cost coverage extends protection on your personal property to include the cost of repair or replacement without deduction for depreciation. This additional coverage pays the replacement cost up to four times the actual cash value of the item (1OO% replacement cost in Minnesota and South Dakota), but not more than the policy limit. You pay extra for this coverage on other policies, but with Protector Plus it's built in at no additional charge.

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

• The use of your premises, including swimming pool. (Other residential property you use as a rental can also be added)
• The acts of your pets
• Unintentional acts committed by you or qualified family members, either on or off your premises

All medical payments for other people injured on your premises, regardless of your liability, will be paid up to the limits you determine.

Additional coverages
Emergency First Aid pays expenses you incur for necessary medical aid to other people at the time of an accident covered by the policy.

Damage to Property of Others pays up to $500 for damage to property of others caused by you or your qualified family member when you or they are not legally liable.

Expenses
Your coverage pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees
Any expenses you incur at Farmers'
request, including up to $60 a day for actual loss of wages are covered
Farmers also pays the premium on appeal bonds and bonds to release attachments

Options
Mortgage Protection
Our Mortgage Protection plan is designed to eliminate financial risk by providing cash to payoff the mortgage balance or to continue the monthly payments in the event of you or your spouse's death.

Personal Articles Floater
This extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy.

Discounts *
Non-smoker Discount
If qualified family members have not smoked tobacco products in the past two years, you can save money with our non-smoker discount.

Protective devices Discount
You may qualify for this discount if your home is equipped with a burglar alarm or an automatic sprinkler system.

Auto /Home Discount
By insuring your auto(s) and home with Farmers, you may qualify for the Auto/Home Discount.

5O Plus Discount**
Age has its privileges - if you are 50 or more years old, you may qualify for our 50 Plus Discount.

New Homes/Home Renovation Discount***
Homes constructed within the past eight years, or with recently renovated plumbing, electrical, and heating/air conditioning systems, may qualify for a discount.

* Not available in all states.
** 55 Plus Discount in Michigan
*** Electrical Systems Discount in Minnesota and Missouri.

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A Package of Coverage for Landlords

If you own a one- to four-family dwelling that you rent to others, Farmers has a coverage package tailored to fit your needs.

Real property
Your house and any separate structures used principally as a private rental residence are covered for almost any type of damage. The exceptions, such as wear and tear, earth movement (including earthquake), flood, and nuclear hazard, are listed in your coverage.

If your house is rented to others, all attached structures and wall-to-wall carpeting is covered up to the limit you select.

Separate structures on your rental property, such as a detached garage or toolshed, are covered up to 10 percen1l of the amount of coverage on your rental dwelling. Optional higher amounts are available. Separate structures used for manufacturing, commercial or farming purposes are not covered by this policy.

Personal property
Your personal property is covered for up to 5 percent of the amount of coverage on your rental dwelling. Optional higher amounts of coverage are also available.

Your personal property at the rental dwelling is covered for a loss caused by the following:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft
• Vehicles
• Smoke, if loss is sudden and accidental
• Vandalism
• 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
• Burglary
• Freezing of domestic appliance
• Sudden and accidental electrical damage to appliances and fixtures (but not tubes or transistors)
• Damage resulting from sudden and accidental bulging, cracking, rupture, and burning of steam or hot water heating systems and hot water heaters

Additional coverages

Trees, plants, shrubs and lawns
You are covered up to an additional 5 percent of the amount of coverage, but not more than $500 per item, for loss by fire or lightning, explosion, riot or civil commotion, aircraft, vehicles not owned or operated by a resident, vandalism, and theft.

Loss of Rents
If you experience a loss of rents due to your property being unlivable as a result of a covered disaster, you will be reimbursed for those losses. We pay for the shortest time needed to make the rental livable - up to 12 months.

Fire Department Service Charge*
Your coverage pays up to $500 on top of your other coverage, with no deductible, for service charges made by a fire department.
*Not available in Arizona.

Debris Removal
You are also covered up to an additional 5 percent of the amount of coverage on the residence premises for reasonable debris removal expenses following a covered loss.

Liability Coverages

Expenses
Your liability coverage includes expenses in a suit we defend on your behalf, including court costs, attorney fees. Investigator fees, expense of witnesses and witness fees. Also any expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages are covered. In addition, this policy pays the premium on appeal bonds, bonds to release attachments" and the cost of bail bonds.

Emergency First Aid
You're covered for necessary medical expenses incurred by other people.

Business Liability
You are covered for damages resulting from bodily injury, personal injury or property damage arising out of the ownership, maintenance or use of a rental dwelling.

Discounts

New home discount*
If your house was constructed within the past eight years, you qualify for a New Homes Discount. The actual discount depends on the actual age of your house. *Electrical systems discount in Minnesota and Missouri.

Home renovation discount*
If you have recently renovated your plumbing, electrical, and heating/air conditioning systems, you may qualify for our Home Renovation Discount.
*Not available in all states.

Optional Flood Coverage
Coverage for flood is available from the National Flood Insurance Program. If you are interested, your Farmers agent can submit an application for you.

This is not a policy contract but a general description. The policy itself should be read for the coverages and exclusions. The policy deductible applies to all coverages mentioned in the folder unless otherwise stated.

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A Package of Coverage for Renters

How renters Insurance helps cover your valuables
Imagine for a moment that you've just returned home from a long day at work to find that there has been a fire. Everything you own has been destroyed: your Tv, VCR, stereo, all of your CDs, dishes, furniture and clothing. Who will pay to replace all of your belongings? Where will you stay until your apartment is renovated?

If the unfortunate should happen and you suffer a covered loss, a Farmers@ Renters Package will reimburse you for lost or damaged items. And, if the loss makes your home uninhabitable, the Farmers Renters Package will also pay the additional cost of hotel, meals, and other such related expenses.
While renters insurance can't prevent a fire or similar loss from occurring, it can bring you back to where you were prior to the loss.

Provides coverage when your landlord doesn't Your landlord carries insurance should a loss occur. Unfortunately, your landlord's policy probably won't cover your personal belongings for the same loss. The Farmers Renters Package fills this gap with the coverage necessary to replace your lost or damaged items.

Covered losses
These are some of the types of losses for which your personal property is covered:

• Theft
• Vandalism
• Smoke, if sudden and accidental
• Sudden and accidental discharge of water or steam from plumbing, heating or air conditioning system, or household applianc
• Fire or lightning
• Windstorm or hail
• Explosion
• Glass breakage
• Falling objects\
• Collapse of building
• Vehicles
• Weight of ice, snow, or sleet
• Riot or civil commotion
• Aircraft

Additional coverages

Loss of use
Your coverage pays the additional costs of living in hotels, eating in restaurants, etc., while your living quarters are uninhabitable due to an insured loss. It also pays up to 20 percent of the amount of coverage on your personal property with no deductible.

Improvements, alterations and additions
We cover improvements, alterations and additions to rented property, up to 10 percent of the amount of coverage on your personal property.

Personal property away from home
This coverage applies to your personal property anywhere in the world. However, if your personal property is located at a secondary residence, such as a vacation home, the policy pays up to $1,000 or 10 percent of the amount of coverage provided under personal property coverage.

Personal liability

Coverage
This coverage gives you and your family living with you 24-hour-a-day liability protection against claims caused by almost any unintentional act, including:

• The acts of your pets
• Unintentional acts committed by you or qualified family members, either on or off your premises
• We cover reasonable medical payments for other people injured on your premises, regardless of liability, up to certain limits stated on your policy.
• Necessary expenses you incur at Farmers' request, including up to $60 a day for actual of wages are also covered. Farmers Renters Package policy even pays the premium on appeal bonds, bonds to release attachments and the cost of bail bonds.

Emergency first aid
Your coverage pays expenses you incur for necessary medical and surgical aid to other people at the time of an accident covered by the policy.

Damage to property of others
We'll even pay replacement cost up to $500 per loss for damage to property of others caused by a qualified family member where you are not legally liable.

Optional coverages

Personal articles floater
This extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in the policy. It pays up to the insured value of the article.

Contents replacement cost
Extend the coverage on your person property to include the cost of repair of replacement without deduction for the depreciation, but no more than the policy limit, with this option.

Personal Umbrella Liability (Separate policy)
This provides coverage for $1 million or more of excess personal liability coverage and, subject to exclusions, coverage for many situations not covered by your Renters insurance. (Farmers Insurance Exchange. Truck Insurance Exchange_)

Discounts

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
You may qualify for our 50 Plus discount if you are 50 or more years old.

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

Protective Devices Discount
Maintaining qualified protective devices, like fire alarms and deadbolt locks, may also qualify you for additional discounts to your policy.

We offer flexible payment plans
We believe that paying for your insurance should be as hassle-free as possible. That's why we offer several payment plans through Farmers EasyPay that are both flexible and convenient. Helping you choose the best plan for you is another valuable service provided by your Farmers agent.

Farmers value-added policies and services
We have many other fine insurance opportunities that may interest you. In addition to Renters insurance, we offer a full selection of Life, business, boat and recreational vehicle coverages and personal Umbrella protection.

This is a general description of coverage and is not a policy contract.
Farmers Insurance Group of Companies" Los Angeles, CA 90051-2478 www.farmersinsurance.com

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Coverage for your Special
Townhouse Needs

The Townhouse Protector Plus is tailored to meet the special needs of townhouse owners like you. Your policy covers property, both real and personal, and includes many features that are usually offered as options - a package that can give you the coverage you need and the peace of mind you're looking for.

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

Your townhouse and any attached structures, including wall-to-wall carpeting, are covered up to the limit you select. Our built-in Value Coverage feature adjusts your policy limit based on current construction costs.

Separate structures on your property (other than those used for business purposes), such as a detached garage or toolshed, are covered up to 10 percent of the amount of coverage on your townhouse.

Personal Property
Your personal property is covered for up to 75percent of the amount of coverage on your
townhouse. However, if your personal property is located at a secondary residence, such as a vacation home, the policy pays up to $1,000 or 10 percent of your personal property limit, whichever is greater.

The Townhouse Protector Plus also has higher limits on certain personal properties, such as $1,000 limits on securities, manuscripts, watercrafts, stamps and trailers.

Contents replacement cost extends coverage on your personal property to include the cost of repair or replacement without deduction for depreciation. This additional coverage pays the replacement cost up to four times the actual cash value of the item (100 percent of replacement cost in Minnesota and South Dakota), but not more than the policy limit. This coverage is optional on other policies but is built in at no additional charge on this policy.

While your townhouse is covered for all causes of loss, except those specifically excluded, your personal property is covered for damages resulting only from:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Falling objects
• Aircraft
• Vehicles
• Smoke damage, if loss is sudden and accidental
• Vandalism
• Theft
• Weight of ice, snow or sleet Water or steam: suddenly and accidentally discharged from plumbing system or appliances
• Damage resulting from sudden and accidental bulging, cracking, rupture, and burning of steam or hot water heating systems and water heaters
• Sudden and accidental damage from artificially generated electrical current (this does not include loss to tubes, transistors or similar electronic components)
• Freezing of a plumbing, heating, air conditioning system or household appliance
• Loss of use

If you can't live in your townhouse after a covered loss, we cover the additional cost of living in hotels and meals while repairs are made, up to a year. Your coverage pays up to 50 percent of the amount of insurance on your townhouse as an additional coverage, with no deductible. It also pays for loss of rents if that portion of your townhouse/property, rented to others, is unlivable.

Trees, shrubs, plants and lawns
You're policy pays up to an additional 5 percent of the amount of coverage on your townhouse 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 any insured person, vandalism and theft.

Liability Personal liability coverage
Your coverage pays for bodily injuries toother people, or damage to their property, if you are liable, resulting from:

• The use of your premises, including swimming pools. Other residential property you use as a rental can also be added.
• The acts of your pets
• Unintentional acts committed by you or qualified family members, either on or off your premises
• It also pays medical payments for other people injured on your premises, regardless of liability, up to certain limits stated on your policy.

Additional liability coverages
Emergency first aid pays expenses you incur for necessary medical aid to other people at the time of an accident covered by the policy.

Damage to property of others pays up to $500 for damage to property of others caused by you or a qualified family member when you are not legally liable.

Liability coverage pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses, and witness fees. It also pays expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages. In addition, expenses pays the premium on appeal bonds, and bonds to release attachments.
Loss assessment pays your share (up to $1,500) of any assessment brought against you by the property association as a result of direct loss of common property caused by a covered peril.

Optional Available at an additional cost. Mortgage Protection Life insurance
If you, your spouse or both of you die, would your family be able to afford to continue living in your house? Our Mortgage Protection Life insurance plans are designed to protect your family by providing cash to payoff the mortgage balance or to continue the monthly payments.
Personal articles floater

This extends protection for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in this policy. It pays to replace the items up to the limit stated on the floater.

Discounts Not available in all states.

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.

Protective devices discount
You may qualify for this discount if your townhouse is equipped with one or more of the following safety features: a fire or smoke alarm, a burglar alarm, deadbolt locks, a fire extinguisher, or an automatic sprinkler system.

50 Plus discount
Our 50 Plus Discount, (55 Plus Discount in Michigan) may be available if you are over 50 years old

New home/home renovation discount
If your townhouse was constructed within the past eight years, or its electrical, plumbing and heating/air conditioning systems have been renovated within the past eight years, you may qualify for the applicable discount.

Auto/Home discount
If you insure your auto(s) and home with Farmers, you may qualify for the Auto/Home Discount. Ask your Farmers agent for more information.

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