INSURANCE QUESTIONS

What is Umbrella Insurance?

Will a Smoke Detector Detect Carbon Monoxide? | Farmers Insurance®

What Is Hazard Insurance for Homeowners?

What Is Earnest Money?

How to Lower Utility Bills

What Is the Right of First Refusal Clause?

How Does Inflation Affect Insurance Rates?

Learn how inflation affects insurance rates, why premiums may rise and steps you can take to manage costs.

What Does Homeowners Insurance Cover?

Learn what homeowners insurance typically covers — including your home, belongings and liability — plus common exclusions and optional protections.

How Do Rent-to-Own Homes Work?

Sump Pump Maintenance: A Homeowners Guide

How to Insure Jewelry: Coverage Options & Steps

Landlord Insurance vs Homeowners Insurance: What’s the Difference?

How to Shop for Homeowners Insurance: A Step-by-Step Guide

Does Breaking a Lease Hurt Your Credit Score?

What Is a Co-Signer?

Learn what it means to co-sign a loan, what the responsibilities of a co-signer are and what the alternatives are for borrowers who don’t have a co-signer.

Do You Need Insurance on a Trailer?

Find out if you need insurance on a trailer, what coverage options exist and the legal requirements based on your trailer type.

Does Car Insurance Cover My Windshield?

Can Homeowners Insurance Cover HVAC

Does Homeowners Insurance Cover Theft?

What Is Included in Closing Costs?

Mortgage Insurance vs. Homeowners Insurance

High-Risk Homeowners Insurance Explained

Building vs. Buying a Home: Key Considerations

Building vs. buying a home? Learn about costs, customization and financing to make the right choice for your needs.

Is It True That Auto Insurance Is More Expensive For A Red Car?

Marcus Troup, a Farmers Insurance® agent in Springfield, Missouri, explains what matters about your vehicle — and what doesn’t.

Does Car Insurance Cover Hail Damage?

What Perils Are Covered by Homeowners Insurance?

How Do Auto Accidents Affect Your Insurance?

What Is the Definition of Perils in Insurance?

Key Questions to Ask When Renting an Apartment

Does Home Insurance Cover Roof Leaks?

Does Renters Insurance Cover Basement Flooding?

Find out if renters insurance can cover water damage from basement flooding and learn about common policy coverages and exclusions.

Does Renters Insurance Cover Appliances?

Learn how renters insurance can help with damage to appliances and understand what coverage limits or exclusions might apply.

How to Insulate Electrical Outlets

Does Each Roommate Need Renters Insurance?

How to Bundle Insurance Policies

How Much Is Commercial Auto Insurance for Businesses

Does Renters Insurance Cover Fire Damage?

Does Auto Insurance Cover Theft?

How to Drain a Water Heater: A Step-by-Step Guide

Find out how to drain a water heater — and why you may want to — with our guide covering tools, prep, step-by-step instructions and tips.

Does Renters Insurance Cover Mold? Key Insights

Learn how mold can be covered by renters insurance, when it isn’t and how to protect your personal property from mold damage.

Renters Insurance vs. Homeowners Insurance Insights

How to Start a Fire in the Fireplace

At What Age Does Auto Insurance Decrease?

What Is Personal Injury Protection (PIP) Insurance?

What Are Comprehensive Workplace Benefits?

Insuring Homes with Swimming Pools: What to Know

How to Switch Car Insurance

Learn how to switch car insurance companies with our step-by-step guide — from comparing coverage and discounts to essential information you’ll need to apply.

What Is Medical Payments Coverage?

Medical payments coverage (MedPay) can help you pay medical bills for you and your passengers after a car accident, regardless of fault. Learn what it typically covers and how it differs from other auto coverages.

Renters Insurance Coverage for Hurricane Damage

Does Renters Insurance Cover Power Outages?

Can My Landlord Require Renters Insurance?

Does Renters Insurance Cover Water Damage?

What Happens If You Break a Renter’s Lease?

What Are Affinity Benefits Programs?

Does My Credit Score Affect My Auto Insurance Premiums?

Joe Angelini is a Farmers Insurance® agent in Half Moon Bay, California. He discusses how credit scoring plays a role in auto insurance rates.

What is a Pet Insurance Waiting Period?

Learn about pet insurance waiting periods and how they impact your coverage options for your furry friends.

What Is Whole Life Insurance?

What Is Comprehensive Insurance and What Does It Cover?

What Is Permanent Life Insurance?

What is Personal Property Coverage?

What Is Water Backup Coverage and Do I Need It?

What Is Loss of Use Coverage?

Does Homeowners Insurance Cover Water Damage?

Homeowners insurance may cover water damage if the cause was sudden. However, some types of water damage might not be covered. Learn what may or may not be covered.

What Is a Home Insurance Deductible?

Learn about home insurance deductibles, how they work, and how they impact your policy options and claims.

How Much Is Renters Insurance?

What Is Gap Insurance and How Does It Work?

What Is a Homeowners Insurance Declarations Page?

What Factors May Impact the Cost of Homeowners Insurance?

Is Homeowners Insurance Tax Deductible?

Can Homeowners Insurance Cover Tree Removal?

Is Renters Insurance Required?

Renters insurance is not required by law, but landlords may require it. Learn the benefits of a renters insurance policy, why landlords may require renters insurance and how to figure out much renters insurance you might want.

Does Renters Insurance Cover Hotel Stays?

Renters insurance may cover a hotel stay or apartment rental if you have to move out temporarily because of covered damage. Learn more about renters insurance for hotel stays, its limits and what might affect that coverage.

Does Renters Insurance Cover Storage Units?

Does Renters Insurance Cover Pet Damage?

Does Renters Insurance Cover Car Theft?

Should my estate plan include an advance directive?

Should homeowners consider life insurance?

How can life insurance help when markets are volatile?

What Do Home Inspectors Look For?

Home inspectors check the safety of the interior and exterior of the home after you place an offer on a home. Learn more about home inspections from Farmers.

How Long Does It Take to Buy a House?

Most recommend looking for a house to buy about five months before you want to move — however, there are a lot of factors to consider. Learn more from Farmers.

What Is Uninsured Motorist Coverage?

What Do You Need to Know Before Buying a House?

When Should I Get Homeowners Insurance?

What to Do After a Traffic Accident

What Should I Do With a Flat Tire?

What Are Some Questions I Should Ask When Viewing a House?

What Steps Are There in a Home Remodel?

Steps to remodeling a home: make a plan, set a budget and stick to it. Learn more from Farmers Insurance.

What Steps Can Help Prevent Flat Tires?

Checking tire pressure regularly can help prevent flat tires on a car. Read about more ways to help prevent flat tires from Farmers.

Which Methods Can Help Secure Home Windows?

Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

Why Do I Need Homeowners Insurance Coverage?

What Does Personal Liability Insurance Cover?

How Much Life Insurance Do I Need?

Home Warranty vs. Home Insurance Difference

How Can I Help Prevent Pipes From Freezing?

Insulating water pipes in your home may prevent pipes from freezing. Find out additional ways to help keep pipes from bursting, from Farmers Insurance.

What Is Full Car Insurance Coverage?

Full car insurance typically refers to an insurance policy that has a wide range of coverage options within a single auto policy. Find out more from Farmers Insurance.

What Is an Insurance Premium?

How Should I Prepare to Buy My First Home?

Which Is Better, Term or Whole Life Insurance?

What Is Renters Insurance, and What Does It Cover?

What Are Life Insurance Policy Riders?

What Factors Drive Life Insurance Calculations?

Where Should I Buy Life Insurance?

Find out what you may want to consider when you’re choosing an agent and a life insurance company.

What Are Living Benefits on a Life Insurance Policy?

There’s more to some life insurance policies than a death benefit. Contact a Farmers agent to learn about life insurance.

What Is a Life Insurance Beneficiary?

Do I Need Business Auto Insurance?

What is a Business Insurance Policy?

Do I Need Rental Car Insurance?

What Does Business Liability Insurance Cover?

What Does an HOA Do?

What Does an Umbrella Insurance Policy Cover?

A $1 million umbrella policy covers you when you are liable for injuries or property damage. Contact a Farmers agent to learn about personal umbrella insurance.

I Accidently Hit the Gas Pedal and Crashed During An Impromptu Air Drum Solo. Can A Wannabee Rockstar Get Some Coverage?

What is Business Property Insurance?

Why Do I Need Auto and Home (or Renters) Insurance to Buy Umbrella Insurance?

Is My RV Covered in Mexico or Canada?

How Can Insurance Help Me Prepare For a Tornado Disaster?

Would Renters Insurance Be Worth It if I Don't Own Much?

Is Business Insurance Required by Law?

Do I Want Insurance For A Boat?

Some states and marinas require liability coverage on boats. Learn what type of coverage you might need.

Does My Auto Insurance Cover Rental Vehicles?

Farmers auto policies cover most types of rental vehicles with a few exceptions. Click here or talk to your Farmers agent to learn more.

What is Business Income Coverage?

Does The Distance of My Commute Affect My Auto Insurance?

Should I Get Public Liability or Employers Liability Insurance?

Will Business Insurance Cover My Company if Someone Sues Me?

I Lost My Wedding Ring on the Golf Course, Do I Have Coverage?

What Exactly Is Auto Insurance and How Does It Work?

Should I Consider Renters Insurance Coverage While Living in an Apartment?

Do apartment dwellers need insurance, or does the landlord's coverage handle it? A Farmers agent has the answer.

My Golf Cart Is like My Car, Should I Insure It?

In some areas of the country, and in retirement communities in particular, golf carts are becoming a preferred mode of transportation. A Farmers agent explains why golf cart owners may want to consider insurance.

Does My Business Need Workers' Compensation Coverage?

What Happens if a Friend Wrecks My Vehicle?

Why Should I Pay For Full RV Coverage Even During Months I Don’t Use My RV?

Does Renters Insurance Automatically Renew Every Year?

Who is Covered by My Business Insurance?

Is There Anything Umbrella Insurance Doesn’t Cover?

Does Motorcycle Insurance Cover Passengers?

A motorcycle policy can cover a passenger's medical bills in case of an accident. Learn more about motorcycle insurance here.

Do I Need Insurance for a Scooter?

Liability coverage is required to operate a scooter on public streets. This covers the cost of injury to others and damage to their property. Learn more.

Does Motorcycle Insurance Cover Theft?

Help! My Car Got in the Way of a Pack of Dogs

What Happens if Someone Hits My Parked Car?

How Can Insurance Help Me Prepare for an Earthquake Disaster?

How Much Does Umbrella Insurance Cost?

Does Renters Insurance Cover Theft?

Do I Need Boat Insurance in the Off Season?

We know that boating season varies depending on geographic area. That’s why the length of boating season is factored into your premium. Learn more.

What Exactly Is an Auto Insurance Deductible?

A deductible is the amount you pay out of pocket for a covered loss. Deductibles can vary depending on coverage. Click here to learn more.

What is Risk Management for a Small Business?

How Can I Improve My Business Insurance Policy?

What Factors Determine the Cost of My Business Insurance?

What Types of Businesses Are Eligible for a Business Owners Policy (BOP)?

How Do I Get Business Insurance?

Is Animal Damage Covered By My Auto Insurance

When Would a Homeowner Want to Consider Vacant Home Insurance?

Vacant home insurance provides coverage if your home is empty for a month or more. A Farmers® agent explains why.

When a Car Damages Your House

What happens when a driver causes damage to your home? A Farmers Insurance® agent has the answer.

Running a Retail Shop? Take Some Time to Browse Insurance Coverage Options

What Kind of Insurance Do You Need For a Restaurant?

What Steps I Should Take If I’m In An Accident?

How a Simple Piece of Paper—called a Certificate of Insurance (COI)—can Set Your Business Apart?

What is a Business Owners Policy?

I Got a Ticket, Now What?

How Can I Make My Restaurant a Safer Place to Work?

Learn how to improve restaurant safety. Get restaurant owner safety tips from an insurance expert at Farmers Insurance.

If I Love It, Should I List It? How Do I Take a Home Inventory?

Whether you write it down, take pictures or shoot video, a home inventory can be a useful way to keep a record of what’s valuable to you.

How Do I File a Car Insurance Claim?

There’s Meat in the Freezer and a Bear Outside. Will Home Insurance Cover Damage If He Breaks In?

Buying Home Insurance? Make Sure Your Valuables Are Covered

Talk About A Bump In The Road – My Car Was Hit By A Drone

My Golf Clubs Were Taken from My Car. Do I Have Coverage?

What's the Difference Between Comprehensive and Collision Coverage?

What Does Motorcycle Insurance Cover?

What's included in a motorcycle insurance policy? From standard to specialized coverage, a Farmers agent explains the options.

Why Work with an Agent When I Can Buy Cheap Car Insurance Online?

What is the true cost of cheap car insurance? Learn about the potential disadvantages of buying cheap car insurance.

If a Tree Falls on My Home, What Do I Do?

How Long Does it Take to Get Car Insurance?

Reasons to Buy Renters Insurance

What Should I Know Before Buying Life Insurance?

Can I Use Life Insurance to Help Provide Financial Support My Special Needs Child?

Do I Have Coverage for a Shattered Windshield?

Is Damage from Water in My Basement Covered by Homeowners Insurance?

Does homeowners insurance cover a flooded basement? Get thoughts from a Farmers® agent.

Pet Starts a Home Fire

Should you disown the family dog for starting a fire in the kitchen? A Farmers Insurance agent explains how home insurance can help you forgive a furry friend.

Why Did My Homeowners Insurance Go Up?

What Is Umbrella Insurance and Why Should I Consider It?

Can I Change My Auto Coverage Whenever I Want?

What Impacts the Price of My Auto Insurance?

How Can Insurance Help Me Prepare for a Flood Disaster?

How Do I File a Business Insurance Claim?

Does My Auto Insurance Cover Anyone Who Drives My Car?

Unsure whether or not your auto insurance coverage extends to someone who borrows your car or drives your car occasionally? Find your answers here.

What Is a Business Umbrella Policy?

A business umbrella policy gives your business an extra layer of liability coverage. Learn more.

How Much Renters Insurance Do I Need?

Does RV Insurance Cover Attachments and Accessories?

Do I Want Motorcycle Insurance?

How Can I Save Money on My Home Insurance?

Does Anything in My Home Warrant a Separate Insurance Policy or Coverage?

How Do I File a Home Insurance Claim?

How Much Does Condo Insurance Cost?

The value of your personal property affects the cost of your condo insurance. Learn what factors Farmers takes into consideration when building your quote.

What Does Homeowners “Replacement Cost” Mean?

Replacement cost is the total cost to rebuild your home from scratch should a disaster occur. Learn more about replacement cost here.

Is My Home Covered if It’s Damaged in a Natural Disaster?

How Is the Replacement Cost of My Home Determined?

What Does Condo Insurance Cover?

Is Home Insurance Required If I Own a Home?

What is the Difference between Dwelling Coverage and Home Insurance?

Does Home Insurance Cover My Foundation?

How Do I Calculate the Replacement Cost of Belongings in My Home?

Calculating the value of your belongings can be difficult. Farmers tips on the best approach to calculating this value will save you time and stress.

How Much Homeowners Liability Coverage Should I Consider?

The amount of homeowners liability coverage you need should match your net worth. Learn how Farmers can help you determine how much coverage you need.

Does Home Insurance Cover Termites?

What Are Some Things I Should Consider When Buying Home Insurance?

How Much Condo Insurance Do I Need?

Does Home Insurance Cover Plumbing?

Does Home Insurance Cover Property That My Child Takes to a Dorm?

Why Should I Consider Getting Insurance for My New Business Immediately?

Is My Home Business Covered by Home Policy?

Your home insurance can cover most home-based businesses, but you may need additional coverage depending on your work. Make sure you're properly covered.