Condominium Insurance

Farmers Condominium Owners Package has the coverage you need and the options you want -

Loss Assessment - You'll receive up to $1,500 for an assessment arising from covered damage.  This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage.  Up to $50,000 is available, depending on your policy.

Additional Living Expense - If your condominium unit becomes unliveable due to an insured loss, we pay for those extra costs of housing, eating expenses, etc., up to the applicable limit.

Improvements, Alterations, Additions - You are also covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, up to $2,000 or 10 percent of your basic coverage amount.  You may also arrange higher limits.

Off-Premises Coverage - This provides worldwide coverage for your personal property.  Your personal property is also covered at a secondary dwelling, such as a cabin or a vacation home.  This coverage is limited to 10 percent of basic coverage or $1,000, whichever is greater.

Your personal property is covered against these losses:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Falling objects
• Aircraft or vehicles
• Smoke, if sudden and accidental
• Vandalism or theft
• Weight of ice, snow, or sleet
• Sudden and accidental discharge or overflow of water or steam from a plumbing, heating or air-conditioning system or household appliance
• Sudden and accidental tearing apart, cracking, burning, or bulging of a steam, hot-water, or air-conditioning system or appliance for heating water
• Freezing of a plumbing, heating or air-conditioning system or household appliance
• Sudden and accidental damage from artificially generated electrical current
• Collapse of building

Various deductible combinations are available on most coverages, except Personal Liability.  To continue to Personal Liability coverages and discounts available please click here.