You’ve worked hard to earn the finer things in life, and your home is the ultimate statement of your success. So it is understandable that you want the best insurance coverage — Farmers Protector Plus Homeowner Package.

Protector Plus offers coverage you won’t find in traditional Homeowner policies. It also offers higher limits on a wide range of personal property, including securities, manuscripts, watercraft and trailers. Even your valuable stamp collection!

With Farmers Protector Plus Homeowner Package, your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in your policy, such as wear and tear, earth movement, flood, nuclear hazard, and earthquake.

 Your house and any attached structures, including wall-to-wall carpeting, are covered up to 125 percent of the limit you select. Our built-in Value Protection Feature adjusts your policy limit based on current construction costs so there is no worry about inflation.

Even separate structures on your property, such as a detached garage or tool shed, are covered up to 10 percent of the coverage on your home. Separate structures used for business purposes are not covered in the basic policy, but may be insured for additional premium.

Your policy covers your personal property, anywhere in the world, for up to 75 percent of th amount of coverage on your home. However, if your personal property is located at a secondary residence, such as a vacation home, the policy pay up to $1,000 or 10 percent of the on-premises coverage, whichever is greater.

Your personal property is covered for damages resulting from:

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