of Arizona

How Renters insurance helps cover your valuables
 

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 appliance
	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

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 in 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 loss of wages, are also covered.
	Farmers Renters package 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 pay replacement cost up to $500 per loss for damage to property of others caused by a qualified family member, even when 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
Use this option to extend the coverage on your personal property to include the cost of repair or replacement without deduction for the depreciation, but no more than the policy limit.
 
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)