Homeowners’ Insurance

Types of Homes We Insure

Condominiums
Distinctive Homes
Duplexes
Homes under construction
Landlord – homes, condos, town homes
Manufactured Homes
Mobile Homes
Renter – homes, apartments, condos
Single Family Homes
Town homes
Vacant Homes
Vacation homes

Other Home-related Insurance We Offer

Earthquake Insurance
Flood Insurance
Kidnap/Ransom Coverage
Landslide Insurance

Why Insure with Us?

For most a home will be the most valuable asset purchased. Many years of hard work and sacrifice go toward home ownership; many people continue to make improvements to their home over time to enhance its value. We think an insurance policy with the correct coverage limits should be looked at as a cornerstone of your financial plan.

Here in San Diego, home insurance is largely underutilized, even after two massive wildfires in recent years. Even informed consumers can make critical mistakes in setting up an insurance program that creates dissatisfaction when a claim is filed. When you think about it, the whole point of insurance is to plan for an event you hope never happens. For most people it’s worth having one of our professionals at your service; and best of all there’s never a fee for our professional advice!

Here’s a short list of issues we typically see with people who come to us for insurance:

    • Insufficient dwelling replacement coverage. If you spoke with someone in the Midwest to buy your home insurance, San Diego residents might have their home underinsured. A home in California may cost 100% more to rebuild than an equivalent one in the Midwest!
    • Insufficient building code coverage. The older your home is the more coverage you’ll need to bring a rebuilt home to current building code standards.
    • Condominium policies with no coverage to rebuild the interior of the unit. Most community association master policies only rebuild the exterior of the complex, the responsibility to rebuild the interior falls to the unit owner.

Our insurance professionals treat your home like the unique “castle” that it is and know the right questions to ask to customize your insurance program. You can have peace-of-mind knowing you have the right amount of basic coverage and have been informed of coverage options available to you.

Ask your current insurance company if they did this in 2004:
One year is the limit most home insurance policies will pay for temporary living expenses while a home is being rebuilt. After massive wildfires devastated the Scripps Ranch area literally no one could rebuild a home within one year. Most insurance companies simply cut-off payments after one year. Farmers stood by its policyholders and set aside this contract provision, paying policyholders temporary living expense beyond a year – in some cases nearly three years. Also, Farmers did not cancel policies or raise rates for our policyholders affected by this tragedy.

 

Basic Coverage

Property: Your Home

      • Coverage for many types of damage and for many causes of loss or damage (subject to exclusions) to your home and separate structures, such as a detached garage.
      • Coverage for separate structures at a minimum of 10 percent of the limit of insurance you choose for your home (can be increased by endorsement).
      • Extended Replacement Cost coverage (can be increased up to 150 percent meaning that you may receive 50% above your dwelling limit in the event of a covered loss) is available in some states.

Property: Your Possessions

      • Coverage is based on a percentage of the limit of insurance you choose for your home.
      • Property is covered anywhere in the world.
      • Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions).
      • Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation.

Liability

      • Pays when you’re legally liable for someone else’s bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
      • Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments

      • Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

      • Covers additional living expenses up to 24 months if a covered loss makes your home unfit to live in.
      • Coverage is based on a percentage of the limit of insurance you choose for your home.
      • Includes loss of rental income for up to 12 months if a covered loss makes a portion of the home that is rented to others unfit to live in.

Optional Coverage

Jewelry – rings, watches and other jewelry
Available for individual items as a stated amount based on a receipt or recent appraisal. No limit on the number of individual items

Computers – including printers, fax machines, etc.
Higher limits available above the standard coverage amount of $5,000

Firearms
Higher limits available above the standard coverage amount of $3,000

Fine Art/Furs
Available as optional coverage at nominal premium

Silver/Gold/Platinum/Pewter
Higher limits available above the standard coverage amount of $3,000

Home-based Business
Can provide coverage for liability protection and business property for service based home businesses. No coverage available for home-based manufacturing or production of any product.

Child Care
Personal liability and medical payments to others for up to six children.

Umbrella Coverage
Additional personal liability protection for your autos, home, rental properties and watercraft; recommended by financial planners and accountants to protect personal assets and wealth. Particularly important for homeowners with pools, spas and/or dogs.

Life Insurance
Protects the lifestyle of your family in event of an untimely death. Creates an instant estate and provides tax-free money that can be used to pay mortgages, funeral costs, college education and other financial obligations.

Get a Quote for Your Home

If you are looking to purchase homeowners insurance, San Diego residents can choose a number of ways to receive a quote from us. It is very helpful if you share with us the following information:

        • Age of your home
        • Square feet of living space in your home
        • Names and dates of birth of owners
        • Description of any remodeling or improvements made to your home since it was built
        • The year renovations to your roof, plumbing or electrical systems were made since your home was built, if applicable
        • Description of any unique personal property you own: guitar collection; original fine art work; unique jewelry valued over $2,000; etc.
        • Profession – Farmers provides a courtesy discount to many professionals and we’d like to give you one. While the professions we extend a courtesy discount for are too numerous to list, here are a few common ones: educators; realtors; computer scientists; engineers; physicians; registered nurses; certified public accountants; chemists; physical therapists; chiropractors; and, airline pilots.

CALL
Local number (858) 689-0466
Toll-free number (877) 567-2886

FAX
Local Fax (858) 689-0464

EMAIL
service@farmerinsurance.com

·       Insufficient dwelling replacement coverage. If you spoke with someone in the Midwest to buy your home insurance, San Diego residents might have their home underinsured. A home in California may cost 100% more to rebuild than an equivalent one in the Midwest!

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Aaron J. Farmer Insurance Agency, Inc.
7960 Silverton Ave. Ste. 202 San Diego, CA 92126
858-225-1007
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