What is the difference between Renter’s Insurance and Landlord Insurance? If you are currently renting your house or apartment from someone, you need renter’s insurance to protect your belongings inside your home. Landlord Insurance is a type of home insurance for people who want to invest in rental properties. It covers property damage, any lost rental income, or injury to your tenants because of property maintenance problems. What do I need Life Insurance For? You can use life insurance to provide your family in case you die or are seriously injured. On top of that, life Insurance is good for any retirement plan. With Farmers, you can convert your Farmers term life insurance policy to permanent coverage with no medical underwriting in most cases. What does Business Insurance cover? Business insurance covers most accidents that occur inside your business. With Farmers commercial insurance you also receive assistance with human resources and your very own workers comp expert to work one on one with you to keep your employees safe. What is Comprehensive vs Collision? If a tree falls on your car and no one sees it, are you still covered? You are covered if you have comprehensive coverage. Comprehensive covers damage to your car that is out of your control, such as a tree falling on your car, hail damage, or if you hit an animal. Collison covers any damage to your car that happens while you’re moving (except hitting an animal, Comprehensive covers that). Examples include hitting another car, hitting a telephone pole, hitting a tree, etc.

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Robert Soucek