Specialty Insurance Products
Scooter
We can offer you a scooter policy that provides superior coverage, and much more value than many other policies on the market today. It has many extra features such as coverage for helmets, safety apparel and transport trailers. The policy is an annual policy so you can enjoy your scooter any time of the year. No mid-year cancellations, no extra paperwork. It all adds up to more convenience. A policy offers full coverage including coverage for physical damage on scooters form many foreign and domestic scooter manufacturers.
Coverage Highlights:
This policy is the nation;s premier choice for a variety of manufactured homes including modular, single-wide and multi-sectional homes. Manufactured homes of most any age, any size, any value, any make and any model and whether the home is located in a park or on private property is acceptable. The homeowner policy for Manufactured Homes provides Comprehensive (open peril) coverage that protects your investment in the home, personal property, and other structures against accidentally causes of physical damage loss. That means the property is covered unless a peril is listed as excluded in this policy.
Additional Coverages and Features:
Specialty Insurance for Homeowners
Our Specialty Insurance for Homeowners is an ideal solution for primary residents, seasonal and secondary homes that fall into special categories such as:
Vacant and Landlord Property
The vacant policy covers Vacant homes including those that are for sale, in the name of an estate or under renovation. The good news for owners off these properties is that a Vacant home policy can easily be converted to an Owner-occupied or Tenant-occupied policy when circumstances change. In addition to the Vacant program, your Farmers agent can offer an insurance plan with real-world coverage options for Landlords and their rental properties. The vacant policy is a named Peril Policy that offers coverage for common perils like fire, explosion, lightning, windstorm, hail damage and more.
Highlights include:
Landlord Property coverage is a flexible program that may be just the right solution for these types of homes:
Landlord Rental Optional Coverages:
We can offer you a scooter policy that provides superior coverage, and much more value than many other policies on the market today. It has many extra features such as coverage for helmets, safety apparel and transport trailers. The policy is an annual policy so you can enjoy your scooter any time of the year. No mid-year cancellations, no extra paperwork. It all adds up to more convenience. A policy offers full coverage including coverage for physical damage on scooters form many foreign and domestic scooter manufacturers.
Coverage Highlights:
- Collision Coverage protects the scooter in the event of damage caused by collision with other vehicles, trees or utility poles, regardless of fault.
- $,1500 of coverage for Helmet sand Safety Apparel protects valuable safety gear, such as goggles, boots and helmets at no additional charge when Collision Coverage is purchased (does not cover theft).
- Other than Collision coverage provides coverage for other kings of damage to the scooter such as fire, theft, flood and vandalism.
- Liability coverage for third-party injury and property damage claims which result from an accident involving the covered scooter.
- Medical Payment coverage provides primary coverage for medical bills incurred for injures resulting from a motor vehicle accident.
- $3,500 Optional Equipment coverage included at no additional cost when Other than Collision coverage is purchased.
- Replacement Cost Total Loss Settlement provides replacement cost coverage for up to two years on scooters purchased new from an authorized dealer and insured with Foremost within 30 days (maximum M.S.R.P. of 35,000).
- Towing and Roadside Assistance 24 hours a day, 365 days a year. Help is just a toll-free cal away from anywhere in the U.S. or Canada.
This policy is the nation;s premier choice for a variety of manufactured homes including modular, single-wide and multi-sectional homes. Manufactured homes of most any age, any size, any value, any make and any model and whether the home is located in a park or on private property is acceptable. The homeowner policy for Manufactured Homes provides Comprehensive (open peril) coverage that protects your investment in the home, personal property, and other structures against accidentally causes of physical damage loss. That means the property is covered unless a peril is listed as excluded in this policy.
Additional Coverages and Features:
- Golf Cart coverage for physical damage and liability (NOTE: the policy does not provide Financial Responsibility coverage or other motor vehicle liability coverages required for vehicles driven on public roads).
- Earth movement other than earthquake and volcano
- Debris removal up to 5% of Coverage A amount of insurance or $5,000, whichever is higher
- Emergency repairs after loss
- Fire Department Service, except where prohibited by law
- Agreed Loss Payment Method - In the event of a total loss, amount of insurance for the dwelling, less any applicable deductible
- Trees, shrubs, plants and lawns
- Credit card and check forgery
- Food Spoilage including mechanical breakdown.
Specialty Insurance for Homeowners
Our Specialty Insurance for Homeowners is an ideal solution for primary residents, seasonal and secondary homes that fall into special categories such as:
- Older or lower-value homes
- Homes with minor cosmetic conditions
- Customers with credit or loss issues
- Customers who have been declined, cancelled or non-renewed by another insurance company
Vacant and Landlord Property
The vacant policy covers Vacant homes including those that are for sale, in the name of an estate or under renovation. The good news for owners off these properties is that a Vacant home policy can easily be converted to an Owner-occupied or Tenant-occupied policy when circumstances change. In addition to the Vacant program, your Farmers agent can offer an insurance plan with real-world coverage options for Landlords and their rental properties. The vacant policy is a named Peril Policy that offers coverage for common perils like fire, explosion, lightning, windstorm, hail damage and more.
Highlights include:
- Full 12-month Policy with pro rata cancellation
- High deductibles help lower premium
- No Restrictions on Age of home, including older homes
- Liability
- Personal Property
- Vandalism and Malicious Mischief
Landlord Property coverage is a flexible program that may be just the right solution for these types of homes:
- Lower-value homes
- Older homes
- Landlord properties (up to four families)
- Homes under renovation
- Homes under construction, with a completed exterior
- Homes with minor cosmetic or loss problems
- Seasonal homes
Landlord Rental Optional Coverages:
- Replacement Cost coverage on the Dwelling
- Liability coverage
- Additional Named Perils
- Coverage for vandalism
- Fair Rental Value