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Gabriel Ramos
You might not live exactly like your parents. Why should you insure your home in the exact same way? Choose coverage for your lifestyle with the new Farmers Flex℠ Personal Home policy and get the quality coverage you want. I can help you explore coverage options for your life today. I'm Gabriel J. Ramos, and I work with individuals, families, and small businesses in Silver City, NM. As your local Farmers® agent, I can help you understand your options for insuring your home and personal property. If you'd like to learn more about how you can protect your home, give me a call today at +1 575-388-1969.
Home insurance can provide coverage in three main ways:
Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage homeowners generally think of first when selecting insurance.
Personal Property coverage is for personal property you own, or even just use. I'm talking about items from furniture and electronics to pots and pans to lawnmowers and garden tools. If these items are lost or destroyed by a covered event, your policy can help if you need to replace them.
The third component of your home policy is liability coverage. It can provide coverage to help you in case you're financially responsible for injury to others or damage to their property if covered under the policy. This coverage extends beyond your home and in fact follows you anywhere in the world.
With a Farmers Flex℠ Personal Home policy, choose coverages and options you want for your home and personal property. Start by choosing one of three standard coverage levels – Standard, Enhanced, or Premier. Then make it your own with optional coverages, limits, and loss settlement options of your choice, including:
Don't worry about escalating construction costs – for covered losses, with Guaranteed Replacement Cost, we'll guarantee coverage for the full cost to rebuild your home, even if it exceeds your policy limits.
As climate change makes weather events more frequent and more severe, you can choose coverage so your roof can be rebuilt to enhanced standards to help resist severe storms.
This additional option can provide coverage for water damage caused by water backing up through drains and sumps.
Coverage for many forms of identity theft and cyberattacks, and monitoring services to help you prevent them from happening.
If your home is uninhabitable after a covered loss, the last thing you want to worry about is keeping up the mortgage while dealing with an emergency. The policy can provide three months of mortgage payments, up to $10,000, while your home is uninhabitable when you rebuild.
Coverage for rental of part or all of your home through a home sharing business.
When you purchase a policy with Farmers, you're not just getting insurance backed by almost a century of experience. You can also get other benefits and savings, such as:
Earn $50 toward your applicable deductible each year your home policy remains in force.
Save by purchasing Home, Auto, and select other policies with Farmers.
You're a responsible homeowner. Don't let one claim ruin a spotless record. Claim Forgiveness can prevent a premium increase for a single claim when you've been claim free with Farmers for five years.
Let's discuss your insurance options, so you can choose the coverage you want. This information provides only a general description of coverages and potential discounts. Not all products, coverages, and discounts are available in every state and can vary by state. Discounts, availability, and eligibility requirements can vary by state. Coverages and discounts are subject to the terms, limits, provisions, exclusions, restrictions, and conditions in the policy including applicable endorsements. Contact Farmers for details and additional information.
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