In addition to standard coverage, Farmers offers a variety of additional coverage options so you can truly make your policy your own.

Farmers offers the following standard car insurance coverages:

• Liability 
• Collision
• Comprehensive
• Uninsured/Underinsured Motorist Coverage
• Medical payments
• Personal Injury Protection (PIP)

Farmers also offers a long list of optional coverages you can add to your policy, including:

• New car pledge: Covers the replacement of a brand new car model if your new car (less than two model years old) is totaled. 
• Accident Forgiveness: Your rates won’t increase after one accident if you haven’t had one in the past three years. 
• Small Claim Forgiveness: You rates won’t increase for little accidents like fender benders, even if you’re at fault. 
• Incident Forgiveness: Your rates won’t increase with a traffic violation as long as no one files a claim against you. 
• Loss of Use: Covers your travel or car rental expenses when your car is in the repair shop after a covered accident. 
• No Fault, No Foul: Your rates won’t increase when you’re in an accident in which someone else was at fault. 
• Comprehensive Claims Forgiveness: Your rate won’t increase if your car is damaged by weather or stolen. 
• Personal Umbrella
• Towing & Roadside Assistance
• Glass Repair Services
• Car Rental Reimbursement
• Extended Customized Equipment Coverage: Extends coverage to items not permanently installed in your car, like a stereo system or chrome rims. 
• Farmers Rideshare: Extends your personal auto insurance coverage when you’re driving for a rideshare company like Uber. 

Farmers classic car insurance provides more coverage than a regular car insurance policy so you can be sure you have enough protection for your antiques, foreign and domestic sports cars, modifieds, customs, classics, hot rods, and more.

To qualify for a Farmers classic car policy, your vehicle must be in original or restored original condition. “Antique” cars must be 25 years or older, while a “classic” car must be 19 to 24 years old. 

A classic car policy comes with numerous coverage options including Guaranteed Value™ and original replacement parts coverage.

Farmers home insurance policies go beyond basic and offer extra benefits to all of their customers, so they can enjoy additional protection without the additional cost. 

Farmers offers all the typical coverages you’d find on a home insurance policy, such as:

• Property damage
• Personal belongings
• Liability 
• Medical payments
• Additional living expenses: Pays for relocation (up to 24 months) when your home is uninhabitable after a covered loss. 

Farmers' optional homeowners coverages include:

• Scheduled personal property: Coverage for valuable items like jewelry, antiques, furs, etc. 
• Identity management: Prevention services and coverage for the cost of restoring your identity.
• Eco-rebuild: Covers up to $25,000 to rebuild your covered loss with environmentally friendly materials. 
• Contents replacement cost: Pays for the repair or replacement of your items at current market value, regardless of depreciation.
• Trees and shrubs: Pays up to $750 per item when your trees, shrubs, plants, or lawn are damaged. 

Farmers insurance allows you to pick specific coverage options for your condominium, personal belongings, and assets. 

Farmers standard condo insurance coverage includes:

• Property damage, including alterations and improvements you make to your unit.
• Personal property
• Liability
• Medical payments
• Additional living expenses

Optional condo insurance coverages from Farmers include:

• Scheduled personal property: Coverage for valuable items like jewelry, antiques, furs, etc. 
• Replacement cost: Pays for the repair or replacement of your items at current market value, regardless of depreciation.
• Identity management: Prevention services and coverage for the cost of restoring your identity.

Farmers offers earthquake insurance to families living in both earthquake-prone and non-prone areas. In California, Farmers agents offer earthquake coverage through an independent organization, the California Earthquake Authority (CEA). 

Earthquake insurance is meant to cover the cost of rebuilding your home, replacement of your personal belongings, and relocating you if your home is uninhabitable after an earthquake. 

Farmers offer residential and commercial lines of flood insurance so you can cover your home and business with one company. 

Farmers offers flood insurance through an independent organization, the National Flood Insurance Program, which provides coverage limits of $250,000 for residential buildings, $100,000 for its contents and $500,000 each for commercial building and contents. Policy options include:

• Preferred Risk Policy: If your home or business is located in an area with low to moderate flood risk; coverages include building and contents-combined or contents only.
• Standard Risk Policy: If your home or business is located in a high-risk flood area; coverages include combined coverage, building only, or contents coverage only.

Building property coverage will protect things like the foundation, electrical and plumbing systems, refrigerators, stoves, dishwashers, permanently installed carpeting over unfinished flooring, and curtains, etc. 

Optional coverages include:

• Debris removal 
• Loss avoidance measures
• Increased cost of compliance such as flood proofing, relocation, elevation, and demolition

Farmers provides specialized mobile home policies with the following coverages:

• Property coverage: Covers damage caused by fire, lightning, explosion, vandalism, landslide, falling objects, attempted/actual burglary, water damage from bursting pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail. 
• Liability coverage
• Additional Living Expenses
• Trees, Shrubs, Plants, and Lawns
• Debris Removal
• Emergency Removal Service and Emergency Repair After a Loss
• Credit Card and Check Forgery
• Fire Department Service
• Food Spoilage

Optional mobile home coverages include:

• Agreed Loss Settlement: Pay the full amount of insurance that you’ve purchased on your home in the event of a covered loss. 
• Optional Replacement Cost: Pays the current market value for damaged items, regardless or depreciation or wear and tear. 
• Hobby Farm or Ranch Liability
• Identity Fraud Expense and Management
• Incidental Business Liability
• Personal Injury
• Water Backup from Sewers and Drains
• Earthquake coverage
• Trip coverage when moving your home
• Personal Liability coverage on additional residences
• Scheduled Personal Property coverage
• Replacement Cost coverage including mobile home, other structures, and personal belongings

Renters insurance from Farmers will cover:

• Personal possessions: Covers things like furniture, clothing, electronics, appliances, etc. anywhere in the world from named-perils specifically listed on your policy.
• Personal Liability: Covers costs to resolve claims or defend lawsuits. 
• Medical Payments
• Additional Living Expenses: Pays to relocate you when your apartment is deemed uninhabitable after a covered loss. 

Optional renters insurance coverages from Farmers include:

• Replacement Cost: Pays current market value for your possessions, regardless of depreciation.
• Identity Shield: Covers time and loss, performs credit monitoring, assists in notifying credit bureaus of the fraud, and replaces important documents. 

Farmers Life® insurance offers a variety of term life and permanent life coverage and product options so you can choose what’s right for you and your family. 

Term life: Farmers offers three different kinds of term life policies with different coverage amounts. 

• Farmers Simple Term: Coverage starts at $75,000 with guaranteed level for 10, 20, or 30 years.
• Farmers Value Term: Coverage starts at $150,000 with guaranteed level death benefit.
• Farmers Decreasing Term: Coverage starts at $25,000 with the choice of a 15, 20, 25, or 30-year policy. 

Whole life: One of the most common types of permanent life insurance policies, Farmers offers three whole life policies to choose from with varying benefits. 

• Farmers EssentialLife® Simple Whole Life: Guaranteed level premiums, guaranteed cash values and is payable to age 100.
• Farmers Graded Death Benefit Whole Life: Guaranteed cash value accumulation and death benefit, no medical exam needed. 
• Farmers Premier Whole Life: Guaranteed cash value accumulation and face amounts for most financial needs. 

Universal life: Farmers universal life offers lifelong coverage with numerous benefits like flexible payments, adjustable benefits and coverage levels, and cash accumulation. There are two universal life policies to choose from with varying benefits.

• Farmers EssentialLife® Universal Life: Choose the timing of your payments and the amount of coverage you need. 
• Farmers Index Universal Life®: Provides the potential for greater cash value accumulation than traditional universal life insurance. 

Farmers allows business owners to customize their commercial insurance policies to their needs. Farmers offers the following standard business insurance coverages:

• Property
• Liability
• Crime: Coverage against theft from employees or third parties. 
• Auto
• Workers’ compensation
• Umbrella
• Life
• Loss Control: Services that help you avoid on-the-job accidents.

Farmers also offers a variety of optional business insurance coverages, including:

• Apartment
• Auto service and repair
• Commercial real estate
• Education and non-profit
• Home and building service
• Homeowners association
• Hospitality
• Manufacturing
• Office
• Religious organization
• Restaurant and food truck
• Retail store
• Wholesale 

Farmers offers extensive recreational and specialty insurance options with multi-line discounts so you can protect all your toys with one company. 

Each coverage option comes with a variety of policy packages to choose from, such as the Marine Choice Saver Package, Marine Choice Plus, and Marine Choice Elite. With a Farmers recreational policy, you can insure your:

• Boat
• Personal watercraft like Jet Skis, Wave Runners, Sea-Doo, etc.
• Off-road vehicles like ATV’s, snowmobile, dirt bikes, dune buggies, golf carts, etc. 
• RV/Motorhome
• Travel trailers
• 5th wheels 

Farmers offers a wide range of standard and optional motorcycle insurance coverages so you can build a policy to match your ride. Farmers accepts bikes such as cruisers, touring bikes, sport cycles, trike conversions, custom cycles, class bikes, and more. 

Standard motorcycle coverages include:

• Liability
• Collision: Includes safety apparel coverage up to $1,500. 
• Comprehensive: Includes Optional Equipment coverage up to $3,500+.

Additional coverages include:

• Medical payments 
• Increased limits on liability
• Uninsured/underinsured motorist 
• Replacement cost total loss settlement 
• Increased limits on optional equipment coverage
• Towing and roadside assistance, with trip interruption coverage.
• Coverage on transport trailers valued up to $7,500.

Farmers offers personal umbrella policies with benefits such as worldwide coverage, coverage for libel, slander, or defamation of character, and coverage for defense costs and attorney fees. 

Farmers offers person umbrella policy limits from $1 million to $5 million.

Farmers has partnered with Pet Best to provide their customers with pet insurance that will cover the cost of veterinary bills for unexpected accidents, illnesses, and emergency care. Farmers also offers optional coverages for routine check-ups and preventative care. 

Farmers and Pet Best offer the following coverages:

• Accident and Illness Plans: Offers comprehensive cover for injuries, illnesses (such as allergies and diabetes), surgeries, hereditary and congenital conditions, prescriptions, cancer treatments, acupuncture and chiropractic care, and physical rehab. 
• Routine/Wellness Coverage: Must have an accident and illness plan to purchase; covers annual wellness exams, routine shots, flea/tick/heartworm medications, spaying & neutering, routine diagnostic tests, routine dental cleanings, and micro-chips. 
• Specialized Coverage Plans: Accident only plan to cover broken legs, snake bites, accidental swallowing, etc.