Llavore Insurance Agency

Alona Llavore Insurance Agency offers Farmers Homeowners coverage designed for your own special needs to get you back where you belong. When you choose Farmers for your Homeowners coverage, your house and separate structures are covered for almost any type of damage, except for a few common exclusions listed in the policy such as wear and tear, earth movement, earthquake, flood, and nuclear hazard.

Your house, including any attached structures and wall-to-wall carpeting, is covered. Separate structures on your property, other than for business purposes, such as a detached garage or toolshed, are covered up to 10% of the amount of coverage on your house. Higher limits are available for an additional premium.

To find out more information about Homeowners coverage by Farmers Insurance Group, phone our office or send us an e-mail and an agent will be in touch with you right away.

Personal Property Coverage	.....	Personal Liability Coverage	.....	Loss of Use - Additional Coverages
Your personal property is covered on premises for up to 55% of the amount of coverage on your house. It's also covered away from premises for up to 55% of the amount of coverage on your house anywhere else in the world. If your personal property is located at a secondary residence, such as a cabin or vacation home, it's covered for up to $1,000 or 10% of the premises coverage, whichever is greater. Optional higher limits are available. While your house is covered for most types of damages, your personal property is covered from damages resulting from: fire or lightning windstorm or hail explosion riot or civil commotion falling objects aircraft or vehicles smoke, if sudden and accidental vandalism or theft weight of ice, snow, or sleet sudden or accidental discharge or overflow of water or steam from plumbing, heating, or air-conditioning system or household appliance sudden or accidental tearing apart, cracking, burning, or bulging of a steam, hot-water, or air-conditioning system or appliance for heating water freezing of a plumbing, heating, or air-conditioning system or household appliance sudden and accidental damage from artificially generated electrical current (does not include loss to tube, transistor, or similar electronic component) collapse of building		Your Personal Liability coverage pays for bodily injuries to other people or damage to their property if you are liable resulting from: Use of your premises, including swimming pools, if it's a one- or two-unit family dwelling Other residential property you use as a rental can also be added The acts of your pets Unintentional acts committed by you or qualified family members either on or off your premises Pays for medical payments for other people injured on your premises, regardless of liability, up to certain limits stated on your policy.		If you can't live in your house after a covered loss, we cover the additional cost of living in hotels, buying meals, etc. Your policy pays up to 30% of the amount of insurance on your home as an additional coverage with no deductible. Your policy also pays for loss of rents if that portion of your house or property rented to others is unliveable. We also pay up to an additional 5% of the amount of coverage on your home and no more than $500 per item to replace trees, shrubs, plants, and lawns for a loss by fire or lightning, explosion, riot or civil commotion, aircraft, vehicles not owned or operated by residents, vandalism and theft.

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coverage for legal fees emergency first aid coverage damage to property of others personal articles floater contents replacement cost personal umbrella liability flood insurance mortgage protection discounts and credits: new home home renovation non-smoker auto/home protective devices