At the Seitz Insurance Agency, we understand that your home is perhaps your single most valuable possession. That's why we work hard to provide you the best coverage, tailored to your needs, at a reasonable price. Typically, a Farmers Homeowners Insurance policy provides the following coverage's.

Property

With Farmers Homeowners coverage, your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in the policy, such as wear and tear, flood, nuclear hazards and earthquakes.

Personal Property

The policy covers your on-premises personal property, subject to the policy provisions. Your personal property is protected anywhere in the world - if your clothes are stolen while on vacation, you're covered.

Typically, your personal property is covered for damages resulting from the following:

• Fire or lightning
• Windstorm or hail
• Explosions
• Riots or civil commotion
• Falling objects
• Aircraft and vehicles
• Sudden or accidental smoke damage
• Vandalism or malicious mischief
• Theft
• Sudden and accidental discharge of water or steam from plumbing system or appliances
• Building collapse

Personal Liability

The coverage pays for bodily injuries to other people or damage to their property if you are liable, when the damage is caused by the following:

• Use of your premise, including swimming pools
• The acts of your pets
• Unintentional acts by you or a qualified family member

This coverage also pays for your defense costs and will not take away from your limit of liability.

Most policies include coverage to $100,000.00, with increased limits to $500,000.00. For protection beyond those limits you would need an Umbrella Policy.

Medical Coverage

This coverage provides up to $5000 of medical expense for your guest if hurt on your property, regardless of liability. This is very helpful if you have children playing at your house and they get hurt. Even if you are not at fault but you feel bad something happened on your property. Our policy is there for you and there's no need to pay your deductible.

Optional Coverage

These coverage's are not part of the standard homeowners policy. They can be added to provide coverage above what the homeowner's policy typically provides.

Increased Limits All policies have some limits for certain personnel property. There is a limit for furs, jewelry, guns, silverware and more. For a small additional premium, it is easy to increase these limits. Your home deductible applies if a claim is made. Schedule Personnel Property This is a separate policy for a particular item. You can chose to have a zero deductible or higher and it will cover that item for anything that might happen to it. The normal policy includes damage from fire, theft and water damage but a schedule article has additional coverages (Open Peril Coveage) including breakage or mysterious disappearance.

Farmers Offers the Following Stand Alone Policies

Personal Liability Umbrella

Lawsuits are common today. More and more, juries are awarding very large verdicts. If you accidentally injure someone or damage his or her property, you could be sued. Your homeowners, property and auto policies may provide substantial liability limits, but juries can award damages that exceed those limits.

Farmers Personal Liability Umbrella provides coverage in increments of $1 million. It supplements your present policies to provide additional personal liability protection.

The Umbrella policy goes into affect after the underlying liability limits on your homeowners or auto policy is/are exhausted. Therefore, your policy must have certain limits in order to qualify for an Umbrella policy.

Typically, these are the policy limits that either your auto or homeowners policy needs to have. Please check with us if you have any questions.

Auto Insurance Liability Limits:	$250,000 bodily injury per person $500,000 bodily injury per occurrence $100,000 property damage per occurrence
Homeowners Insurance Liability Limits:	$300,000

Farmers Personal Umbrella policy can provide the protection you need. Umbrella Liability insurance acts like an umbrella, providing extra protection on top of your Auto and Homeowners Liability policies. Our policy at Farmers is unique! We will provide limits of your policy (both your auto and umbrella policy) if you are injured in an auto accident and the other driver is at fault. Most of the other insurance companies do not have this coverage. We at Farmers think it is very important for your family.

The policy provides extra protection in three ways:

Liability insurance that adds to the limits of your Automobile, Homeowners and Recreational Vehicle or Boat Liability policy limits.

Coverage for unknown or unexpected exposures that are excluded in typical Auto, Homeowners, Recreational Vehicle or Boat Liability policies.

Coverage for the cost of your legal defense. This includes court costs, interest on judgments and premiums on necessary bonds.

Home Warranty Plan

No insurance policy protects against wear and tear or breakdowns. Home policies are designed to insure against the large losses. Your home catching on fire and burning to the ground or a windstorm ripping the roof off and everything inside gets rained on. But what about normal breakdowns? We can provide that kind of protection with our Home Warranty Plan. It covers normal breakdowns. Dishwasher, garbage disposal, washer, dryer, stove, waterheater, garage door opener broken or does not work? Covered. Coverage for your heating, plumbing and electrical system are also covered.

Yes it sounds too good to be true but it is not. You as the homeowner pays a low ($50) service fee each time a repair or replacement is made. There are several plans available to fie the individual needs of each customer and household budget.

If flood damages your Home - Coverage

Flood insurance for homeowners, renters and businesses is provided through a federal program (FEMA) available through your Farmers agent. Many Farmers agents do not offer this coverage - we do.

Flood is not covered under homeowners and renters policies.

Flood is covered under the comprehensive section of standard automobile insurance.

Flood coverage is available for floods under special commercial insurance policies.