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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. Auto-How can I lower the cost of my Auto insurance?
  2. Auto-Are there any Auto insurance discounts available?
  3. Auto-I just installed a new stereo iny my car, do I need special coverage?
  4. Homeowners-If I had to rebuild my home at today's prices, how much would it cost?
  5. Homeowners-How much would it cost to replace all of the contents in my home?
  6. Homeowners-Will making my home safer save me money?
  7. Motorcycle-Is my safety apparel covered?
  8. Motorcycle-Is roadside assistance avaliable?
  9. Life-Why to I need life insurance?
  10. Life-How much life insurance do I need?
  11. Life-When do I need to think about getting life insurance?
Auto-How can I lower the cost of my Auto insurance?
There are many factors that go into calculating auto insurance premiums, but two of the most important factors are the kind of car you drive and your driving record. The bottom line is, the more your vehicle is worth, the more it will cost to insure it. Plus if you have marks on your driving record, you will pay more. If you drive a higher-end vehicle, adding safety modifications such as anti-theft devices can help lower your premium. You can also reduce the amount of miles you drive and bundle policies to get a multi-policy discount.

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Auto-Are there any Auto insurance discounts available?
Yes, Farmers® offers several discounting options for your auto insurance. Special discounts are offered to architects, attorneys, automotive personnel, CFP's, CPA's, dentists, doctors, engineers, firefighters, military personnel, nurses, police officers, scientists and teachers. Farmers also provides discounts for homeowners, good students, teens with parents with safe driving records and more. Be sure to contact one of our agents for a complete list of available auto insurance discounts.

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Auto-I just installed a new stereo iny my car, do I need special coverage?
If you add new/optional stereo equipment to your vehicle, you should definitely consider adding a special endorsement to your auto insurance policy to fully cover these items. That way, they will be covered in the event of theft or damage. If you are considering adding new equipment to your vehicle, or you've already added it, please contact us and we'll help you find the best endorsement to cover it.   

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Homeowners-If I had to rebuild my home at today's prices, how much would it cost?

Your home is most likely your most substantial investment. Making sure it is properly insured is one of the most important things you can do to protect your equity and investment. The cost of rebuilding your home will depend mostly on these main factors:

  • Square footage and local construction costs
  • Exterior wall construction (frame, brick, veneer, etc.)
  • Type of roof (shingles, tar, etc.)
  • Style of house (rancher, colonial, cape cod, etc.)
  • Number of bathrooms, bedrooms, and other rooms
  • Attached structures (garages) number of fireplaces, and special/unique features such as skylights, arched windows, etc.



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Homeowners-How much would it cost to replace all of the contents in my home?
Losing your home and its contents would be emotionally and financially devastating. A homeowners, Renters or Condo policy from Farmers® well help ease this distress if the unimaginable happens, subject to policy limits and conditions. You can insure your personal possessions with replacement cost coverage, or actual cash value .

Replacement cost coverage will pay the dollar amount needed to replace the personal property item, up to the maximum dollar amount, without a deduction for depreciation.

Actual cash value pays the dollar amount equal to the replacement value of the damaged/destroyed property less depreciation.

Make sure you understand which type of coverage you have in your homeowners insurance policy, because unless your policy specifies that your property is covered for its replacement value, the coverage is for actual cash value.

It's easy to miscalculate the amount of content coverage you actually need. One analogy that we like to use is imagine taking your house, turning it upside down, and shaking out all of the contents. That is what you would need to replace, including everything from big ticket items like your flat-screen TV all the way to small/less expensive items like silver wear.  


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Homeowners-Will making my home safer save me money?

Possibly. When you take precautions to guard your home against theft, accidents, and other losses, you can often get a discount on your homeowners insurance. Here is a checklist of safety enhancements that can save you money:

  • Dead bolts and window locks.
  • Security system with outside signal and connection to local police.
  • Sprinklers.
  • Smoke detectors.
  • A fire alarm that will automatically connect to the local fire department.
  • Don't smoke
  • Ensure the walkways and entrances to you home are clear of snow and ice
  • Bundle your auto and homeowners insurance policies. 

Contact us and we'll help you get the best price on your homeowners insurance possible, and discuss all of your money-saving options.



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Motorcycle-Is my safety apparel covered?
Typically, protective items such as helmets, leathers, and gloves will be covered for damage, but not for theft. Check with us to see exactly how all of your protective gear and apparel will be covered with your motorcycle insurance policy.

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Motorcycle-Is roadside assistance avaliable?
Yes. And its an especially valuable coverage for motorcyclists. For a small cost, Farmers offers towing and roadside assistance. Well worth the peace of mind if you are riding far from home; yo won't need to leave your bike unattended in the event of an accident while you seek help! Ask us about adding roadside assistance to your motorcycle insurance policy. 

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Life-Why to I need life insurance?
If you died tomorrow, what would happen to your family? How would they pay the mortgage, and maintain the lifestyle you worked so hard to provide? A funeral can cost upwards of $10,000 or more. How would your family pay for your  final expenses? Life insurance will help alleviate these concerns. Proceeds from a life insurance policy can help replace your income, pay your final expenses. Purchasing a life insurance policy is one of the best things you can do for yourself and your family.

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Life-How much life insurance do I need?

It depends on multiple factors, but here are the primary considerations:

  • Age and income
  • Marital status
  • Number of children
  • Cost of living
  • If you are supporting aging parents
  • Mortgage
  • Debt
  • Education for your children

There are a lot of factors to consider, and we can help you calculate the amount that's right for you and your family.



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Life-When do I need to think about getting life insurance?
Now. Even single young people in their 20's should consider a life insurance policy. Plus, as an added benefit, those who buy life insurance when they are young and healthy can usually get a significantly cheaper rate. Young married couples without children need it too, they may be caring for a parent, or be the sold provider of their household. And of course the need for life insurance only increases once you have children. You want to make sure your family has the financial resources to help them cover expenses, debts, education and other expenses should something happen to you.

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