Your own stretch of ‘highway’

Whether your driveway is brick pavers, a long stretch of gravel or dirt, your driveway is your responsibility — make sure it’s properly maintained so it won’t become a hazard.

Driveways need regular maintenance to stay in proper condition, as uneven pavers, cracks or potholes are common problems. Not only unsightly, they can be hard on your vehicle and, more importantly, present a tripping hazard. If someone trips and falls on your property you could be held legally responsible for their injuries.

What would you do if you were held liable for a mishap that occurred on your property and caused damage or injuries beyond the limits of your policy? Worse yet, what if you were named as the defendant in a lawsuit because of damages or injuries that occurred on your property? While we don’t expect the unthinkable to happen, sometimes it does. Although there’s no way to completely avoid the possibility of being sued, there is a way to help reduce the potential impact of a devastating lawsuit: Personal Umbrella Liability coverage.

Why you need umbrella coverage
Farmers Personal Umbrella Liability insurance supplements the liability coverage you already have with your homeowners or auto insurance and provides an extra layer of protection through increased or excess coverage limits. The umbrella policy kicks in when you reach the limit on your underlying liability coverage. Most importantly, the cost of your legal defense is provided for a covered loss.


Plan for the unexpected
Protect what you have worked to achieve, and your future — you never know when the unexpected may occur. Make sure you’re prepared, and don’t forget your umbrella. Call me for more information.

Your part-time residence needs full-time coverage

Summer is winding down, and many schools are back in session. If you own a second home, you may be getting ready to close it up for the season. Perhaps you’ve decided to rent it out to generate additional income. In any event, your part-time residence should have full-time insurance coverage.

The difference between a primary and vacation home
Many insurers look at seasonal or vacation homes differently than a primary residence. Seasonal homes are often unoccupied for extended periods of time, which can make them a target for thieves or vandals, which can result in a greater risk of damage and loss. This may make your second home more difficult to insure. That’s where I can help. Farmers covers a range of homes, including seasonal/secondary, as well as properties in rural areas, and homes that other carriers reject due to age, condition, value or other considerations. In certain states, Farmers doesn’t even require that your primary residence be insured with us to insure your seasonal or secondary home.

Are you a landlord?
A growing number of homeowners are becoming landlords, whether they relocate for a job, are waiting for market values to increase further before selling or purchase a second home as an investment to rent. Whatever the situation, the type of insurance you need is not the same as your primary residence.
Your property changes classification when you rent it — it becomes a place of business — and typically its insurance requirements change. Your standard homeowners policy may no longer offer appropriate coverage: you would need a landlord insurance policy to help protect you if anyone is hurt on the property.


Call me
Farmers offers property, liability and important optional coverage that lets you customize your policy. You can choose from flexible payment plans and pay online, by mail or Electronic Funds Transfer (EFT). Learn all you can about insurance because the more you know the better you can prepare for the future. Start now: let’s get together so you can be sure you have the coverage you want on your second home.