Your condo association likely has insurance for the building and common areas but a Unit Owner policy is needed to cover your personal property, loss assessment, additional living expenses and liability for injury or property damage to others. The coverage also extends to any permanent fixtures, appliances and upgrades within your unit you may be responsible for according to your condo association by-laws.
Farmers of Flemington offers a comprehensive Unit Owners policy with several available enhancements.
Equipment Breakdown Insurance covers all of your important home systems and property due to loss by mechanical or electrical breakdown. That includes home security systems, electrical systems, personal computers, home electronics, appliances, heating and cooling systems, swimming pool equipment, water heaters, well pumps, garden tractors and more.
This enhancement provides coverage for underground utility lines that connect your home to public utilities such as water supply lines, electrical lines, cable TV, natural gas and more.
Identity Theft Restoration Services
Every Farmers of Flemington condo owners policy includes free access to identity restoration services from CyberScout®, a leading identity protection provider. Click here to learn more about our value-added identity restoration services.
Identity Theft Indemnity Coverage
In addition to our free restoration services, our optional Identity Theft Expense Coverage endorsement can be added to your policy to provide coverage for expenses you may incur while restoring your identity in the event of a covered incident.
Personal Umbrella Coverage
Your standard personal automobile and homeowners liability limits offer adequate protection for most losses, but what if your limits are not enough? What if the unthinkable happens? Your home and other personal assets could be at risk. Our Personal Umbrella policy can provide you with additional limits up to $5 million over your home and personal auto to help protect you against the unthinkable.
Other available enhancements include:
- Sump / Sewer backup coverage
- Replacement Cost for Personal Property
- Scheduled Personal Property
- Limited Mold Coverage
We also offer money saving discounts for alarm systems and increased deductibles.
As they say, there’s no place like home so why not give your home and family the protection they deserve with our affordable homeowners product. Contact an Agent today to see what Farmers of Flemington can do for you.