• Replacement cost of your house against risk of direct loss which may include, but is not limited, to the following:

• Replacement cost of your personal property and contents ... covered worldwide
  *Subject to policy limits and exclusions
  
  
• Replacement coverage of unattached garage and other structures
  
  
• Pays excess living expenses if you need to temporarily move because of damage to your home. Also covers loss of rental income
  
  
• Additional coverages include: debris removal, temporary repairs, freezer breakdown and fire department charges
  
  
• Optional coverages available for additional premium: sewer back-up, sump pump overflow and earthquake coverage

Premium-Saving Discounts

Money-saving discounts are available for homeowners, such as:

• New and renovated home discount
  
  
• Fire resistive discount
  
  
• Protective device discount-if your home has burglar, smoke and/or fire alarms, you qualify for a lower premium
  
  
• Package discount-applied to your policy when you also insure your private passenger automobiles with Farmers Union Insurance
  

• Incidental farming personal liability
  
  
• Personal injury coverage (including libel, slander and others)

Security plus* optional coverage for your home

Tailor your coverage to fit your circumstances. Options are available to extend your personal liability and medical payments to others.

• Vacation home or additional residence, whether you occupy it or rent it to others
  
  
• Business conducted in your home to include its use as an office, private school, studio or child care facility