This is an oft misinterpreted term, and doesn’t refer to a policy that covers “everything.” Instead, full coverage typically refers to a policy that includes both liability coverage and coverage for damage to your property. Your Auto insurance Policy Declaration page lists the coverage you have selected, and a Farmers agent can help you select Auto insurance coverage that fits your needs and budget.

Car rental companies charge daily fees for their own insurance to damages in your rental agreement. However, it is possible that your current auto policy provides rental car coverage. This typically varies by state though, so check your policy or contact your local Farmers agent for more details.

Lawsuits have become commonplace in today’s world, and more and more we’re seeing larger awarded sums than ever before. In fact, in 2013 over 60,000 injury cases appeared in U.S. courts, each averaging $60,000 in payouts! To help protect your hard earned assets, you maintain liability coverage with property insurance like auto and homeowners. These policies have limits though, and with increasing frequency, lawsuit awards are exceeding these limits. That’s where Farmers Personal Liability Umbrella insurance comes in. An umbrella policy is an extra layer of liability coverage, designed to go above and beyond the coverage of your other insurance policies. If you’re ever sued for damages, and the verdict exceeds even the highest limits on your existing property coverage, an umbrella policy kicks in to cover the additional expenses so you don’t have to put your savings, your home, and your business at risk.

After a car accident, home damage, or any kind of loss, it’s important to let your Farmers agent know. To get the claims process moving immediately though, call Farmers Claim Services at 1-800-435-7764. (English, Spanish and hearing-impaired available)