Does my home owner insurance cover against losses due to fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism and theft?

Yes. Typically, your homeowners insurance covers a large number of perils, including all those listed. There are some limits, however, on the amount of insurance you have so you should always consult with your local Farmers agent.

A pipe bursts and water flows all over my floors. Am I covered?

Yes. Typically, homeowners insurance covers you for accidental discharge of water from a plumbing system. Check your plumbing and heating systems once a year. While you are covered for this type of damage, who needs the mess and hassle?

A neighbor slips on my sidewalk and threatens to take me to court for damages. Does my homeowners policy protect me?

Yes. Homeowners insurance will pay for damages, if the accident is the result of your negligence. It will also pay for the legal costs of defending you against a claim. Also, the medical payments part of your homeowners policy will cover medical expenses arising from an injury to a neighbor or guest. I can periodically review your policy limits to help ensure you have adequate coverage.

Is my jewelry covered by my homeowners policy?

On a homeowners policy, there is limited, standard coverage available for your jewelry. In most cases, you will need to purchase a Personal Articles Floater, which extends protection for your jewelry when its value is higher than the limits stated in your homeowners policy. I can help determine if you need to purchase Floater coverage.