Richard Jackson-Osborn

If you’re in an accident, our goal at Farmers is to help you get back on the road — safely and quickly — with our award-winning claims service. To learn more about the advantages of Farmers auto coverage, call me today!

FAQ:

Question: What is Uninsured or Underinsured Motorist Coverage?
Answer: The uninsured/underinsured motorist coverage will cover your losses caused by an uninsured or underinsured driver, and helps pay for damage to your car and bodily injury to you and your passengers.

Question: What is Personal Injury Protection (PIP) Coverage?
The personal injury protection coverage helps cover the cost of your rehabilitation and lost wages as a result from the accident, and will cover you no matter who is at fault.

Question: What is Towing and Roadside Service Coverage
The towing and roadside service coverage provides 24/7 roadside assistance if your car is disabled, and helps pay for towing, tire changing, locksmith service, and jumpstart.

Question: What is Comprehensive Coverage?
Comprehensive auto coverage will cover damage to your car brought about by things besides a collision. This can include damage from hail, wind, theft, fire, vandalism, animal damage, and more.

Question: What is Collision Coverage?
Collision coverage pays to repair or replace your own vehicle when you are at fault. This also covers collisions with other vehicles, objects, and animals.

The personalized service that comes with your Farmers auto coverage might be the best recommendation for adding a Farmers homeowners policy to your insurance portfolio. When you purchase an additional policy, you might also qualify for a multi-line discount. Call me today for more information.

FAQ:
Question: What is Contents Replacement Cost Coverage?
Answer: Say an electrical fire destroys the 70-inch flat screen TV in your living room. With contents replacement cost coverage, you’ll be reimbursed for the cost of buying a new television of similar quality — not what your old TV was worth.

Question: Why is Water-Related Damage important?
Answer: Given that water-related damage can occur, it's important to make sure that you understand what is and isn't covered under your current policy. If you have questions, or want to learn about available insurance options, a conversation with me about your potential risk might be beneficial so you can get the coverage you want.

Question: Why should I include Service Line Coverage in my policy?
Answer: Service line coverage is to protect against a leak, break, tear, rupture, or collapse of a covered service line to your home.

Question: Why do I need Flood Coverage?
Answer: You don’t have to live near a body of water to be at risk for flooding — it can happen anywhere it rains. Even historically dry areas have been known to flood without warning. So it may not be a matter of whether you need flood insurance coverage, but how much and what kind.

Question: What is Extended Replacement Cost Coverage?
Answer: Extended Replacement Cost coverage is an optional endorsement that may be available to add coverage of 10 percent, 25 percent or 50 percent of the estimated reconstruction cost, depending on the type of home insurance policy, in the event there are unexpected or unplanned increased costs to rebuild your home.