Condominium unit owners

Farmers CON-B policy is specially designed for the condominium unit owner.

have special insurance needs and Farmers® has the coverage and options you want

Discounts are another great reason to insure your condominium unit with Farmers. You may qualify for any of the following discounts: • Farmers® Auto/Home discount, if you

insure both your vehicle and your condo unit with Farmers

• Protective Device discount, If you equip your condominium unit with one or more protective devices such as a working fire or smoke alarm, deadbolt locks, a working fire extinguisher or an automatic sprinkler system

• Non-smoker discount

• Discount just for turning 50 years old

Discover the advantage of personal serviceThese days, many insurance companies deal with their customers only by mail, phone or over the Internet. When you choose Farmers, you have a personal, professional agent helping you every step of the way. Here’s how the personal touch can make a difference for you.

• Your Farmers agent will work to help you identify your needs and find the coverage you want at a competitive price.

• You won’t be alone should you need to file a claim or need assistance. Your Farmers agent stands ready to assist you and Farmers’ award-winning HelpPoint® claims service is there 24/7 if the need arises.

• Periodically, your agent can offer you a Farmers Friendly Review® so you can update your coverage if necessary.

You can depend on your Farmers agent to provide personal, high-quality, professional service.

Farmers HelpPoint® Claims service Whenever you have a claim, call Farmers HelpPoint service at (800) HelpPoint — (800) 435-7764. With Farmers HelpPoint, all you have to do is call one number and one of our specially trained consultants can help you file a claim, determine your most urgent needs and help you meet them fast.

Best of all, HelpPoint is available every day of the year, around the clock. In the unfortunate event of an emergency, we’re there to get you back where you belong.

Farmers Condominium policy is written in the Fire Insurance Exchange, a company dedicated to Home insurance needs.

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Farmers is proud to be one of the top 10 corporate contributors to the

This is not a policy contract but a general description. The policy itself should be read for the coverages and exclusions. The policy deductible applies to all coverages mentioned in the folder unless otherwise stated.

Living in a condominium has many advantages, but there are also unique insurance needs to consider when insuring your property against loss. Fortunately, Farmers® offers insurance products designed to meet a condominium owner’s needs.

Property coverageYour personal property and alterations, fixtures, and additions which are part of your condominium unit (and which are not common property) are insured against damage or loss resulting from:

• Fire and lightning

• Windstorm, hurricane and hail

• Explosion

• Riot and civil commotion

• Falling objects

• Aircraft and vehicles

• Sudden and accidental damage from smoke

• Collapse of building

• Vandalism and malicious mischief

• Theft

• Accidental discharge, leakage or overflow of water or steam from within a plumbing, heating or air conditioning system or household appliance

• Freezing of a plumbing, heating or air conditioning system and household appliance

The policy itself should be read for coverages and exclusions.

Your personal property is covered anywhere in the world. It is covered at a secondary dwelling, such as a cabin or vacation home. This coverage is limited to 10 percent of the personal property limit or $1,000, whichever is greater.

Additional living expenses, included in the policy, reimburse for increased living expenses you incur so you can maintain your normal standard of living (up to the applicable limit) should your condominium unit become uninhabitable due to a covered loss.

Personal Liability coverageYour Personal Liability coverage pays for bodily injury to other people or damage to their property that you are legally obligated to pay.

Such damage can result from events like:

• Unintentional acts committed by you or qualified household members, either on or off your premises

• The acts of your pets

Your policy pays legal expenses such as court costs, attorneys’ fees, investigator fees, expenses for witnesses and the premium on appeal bonds and bonds to release attachments in a suit we defend on your behalf. Your coverage also includes any necessary expenses you incur at Farmers’ request, including up to $50 a day for actual loss of wages.

Additional Liability coverageCoverage up to $500 is provided for damage to property of others that you are not legally liable for caused by a qualified household member.

Coverage for first aid expenses you incur for all necessary medical aid to other people at the timeof a covered occurrence is included in the Condominium policy.

Optional coverages Replacement Cost coverage is available for your personal property, and alterations, fixtures, installations and additions which are part of your condominium unit (and which are not common property). With this valuable coverage, losses are settled for current replacement cost when the covered property is actually repaired or replaced.

Loss Assessment coverage is used to pay your part of a special assessment for covered property damage or injury awards. You can purchase a coverage limit up to $50,000. There is a $250 deductible for each loss under this coverage.

Farmers Identity Shield is a comprehensive package of coverage and services relating to identity concerns. It provides you with the opportunity to proactively manage your identity through credit reports and credit and public records monitoring. Also, should you become a victim of identity theft, there is assistance.

Optional lifestyle coveragesFarmers believes your coverage should fit you perfectly. It should reflect your goals, your circumstances and the kind of life you live. You can add these endorsements to your policy to customize your coverage to your lifestyle:

• For people who work from their homes or for themselves: Increased Limits on Business Property, Office, Private School or Studio Liability and Personal Computer coverage

• For people with jewelry, furs, fine arts or silverware/goldware, etc.: Scheduled Personal Property coverage