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Townhouse Policy
If you own a townhouse, we have a very good policy to meet your special needs. Our Townhouse Policy gives you the coverage and options you need and the peace of mind you're looking for. Your local Farmers agent can help you find the right coverage combinations to meet your lifestyle and budget.
Real Property
Your townhouse and separate structure are covered for almost any type of damages except for a few common exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.
Personal Property
Your content or personal property is covered, subject to the policy limits and provisions.
Your personal property is covered for damages caused by:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Falling objects
- Aircraft
- Vehicles
- Smoke damages, 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 or accidental damage from artificially generated electrical current
- Freezing of plumbing, heating, air conditioning system or household appliance
Personal Liability Coverage
This coverage pays for bodily injury to other people, or damage to their property, if you are liable, resulting from:
- Use of your premises (including swimming pools). Other residential property you use as a rental can also be added
- Acts of your pets
- Unintentional acts committed by you or qualified family members, either on or off your premises
This coverage also pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.
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