The insurance teacher sales presentation

The Insurance Teacher
Insurance 101

About Us Kimberly K. Hastings, Agent
A Cypress, Texas resident since 1999, Kim retired as a Librarian in the Cy-Fair school district to
pursue her dream to own a small business. After careful research and support from her family,
she decided that owning an insurance and financial services agency is exactly what she had
been looking for!
Developing a marketing strategy was the easy part! Already an involved member in the Cypress
and Tomball, Texas communities, she knew she could rely on the support of her many loyal
friends and family to help her get started. Taking her many years of experience as an educator,
she incorporated her Agency Promise of focusing on delivering great advice rather than high
pressure sales to grow her small business. And it worked!
Let’s face it – insurance is something that most people take an interest in when they need to
use it. When this happens, it’s often too late to make a change and the insurance consumer is
left feeling cheated when coverage does not meet expectations.
Kim may not be old, but she is old fashioned when it comes to delivering high quality service!
With a slogan of “Helping You Make Smarter Choices about Your Insurance,” Kim will take the
time to explain your insurance program, make certain you are getting every discount you can
qualify for and allow you to select the best options for you and your family.

Are you getting the personalized service that you deserve?
Insurance can be a large part of your household budget. You
deserve an agent who will take the time to explain coverage
options and make certain you have every discount you are
entitled to.
Service

Your Budget Education
Entertainment
Food
Transportation
Insurance
Housing
MONTHLY HOUSEHOLD BUDGET*
Value Added Service to Fit Your Personal and
Business Needs
Next to housing costs, your insurance premium dollars is the second
highest expense in most households. Shouldn’t you take the time to make
certain you are getting the highest value for your dollar?
*https://www.bankofamerica.com/deposits/manage/average-family-budget.go

Our Story
It doesn’t take long to figure out what makes the Kim Hastings Agency stand out from the rest!
When you decide to switch to The Insurance Teacher, you will enjoy a trained and
friendly staff who are eager to exceed your every expectation.
Let’s face it, most insurance agents may have good intentions, but very few take the
time to explain policy coverage, options, discounts and give advice that perfectly
match your unique exposure to risk every day. And when you have a family that is
counting on you every step of the way, it is imperative you take the time now to make
certain you are properly covered.
WHEN WAS THE LAST TIME YOUR AGENT REVIEWED YOUR INSURANCE PROGRAM?

Four reasons why more than 10 million households with more than 20
million individual policies across all 50 states have chosen Farmers to
serve their insurance needs:
Security
Service
Value
Products
Serving America Since 1928

Directory of Services
• Auto
• Home
• Condo
• Umbrella
• Flood
• Renters
• Boat
• Business Insurance
• Workers Comp
• Motorcycle
• Travel Trailer
• Off Road Vehicle
• Health Insurance
• Life
• Annuity
The Kim Hastings Agency offers a wide range of products to meet the needs of you and your family, including:
• Discounts
• Ways to Save on Auto
• Why Did My Premium Increase?
• Teen Drivers
• Emergency Contact
• Your Client Portal

Auto
Insurance
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10
Liability Limits
Person 1 Person 2 Person 3
Remaining
ExposureClaims Amount
$20,000
Claims Amount
$90,000
Claims Amount
$150,000
30/60
Covered
Not Covered
50/100
Covered
Not Covered
100/300
Covered
Not Covered
250/500
Covered
Not Covered
Personal Automobile Liability Exposure Worksheet
$20,000
$20,000
$90,000
$0
$50,000 $30,000
$100,000$90,000
$150,000$20,000
$20,000
$30,000 $10,000
$140,000$60,000
$120,000$40,000$0
$50,000$0$0
$0 $0 $0
$0
$50,000
$160,000
$200,000

Auto Coverage
Liability Protection
• There are two types of liability coverage – coverage for
Bodily Injury and coverage for Personal Property.
• Texas requires all licensed drivers to carry a minimum of
30/60/25 (or post a bond) which means $30,000 in coverage
per person with a maximum amount of $60,000 per accident
and $25,000 in property damage protection.
• This coverage protects you if you are “legally” responsible or
“liable” for damages to another person as a result of an auto
accident in any car you are authorized to drive.
• While the liability portion of the policy (30/60) covers bodily
injury, the last figure (25) is the amount of coverage to pay
for damage to another persons vehicle or property you
damage. This coverage will also pay when your car is driven
by a qualified family member or another driver using your
car with your permission.
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Auto Coverage
Comprehensive Coverage
• Pays for damage to your vehicle except when
caused by collision or upset.
• Pays up to the actual cash value of your vehicle, less
the deductible you select.
• Includes damage from such causes as:
Fire
Windstorm
Falling Objects
Water
Theft*
Vandalism
Animals
Flood
Riot
*Special theft limitation: coverage begins 48 hours after you notify us and the police.
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Uninsured/Underinsured Motorist Coverage
• Pays (provided the driver was at fault) for bodily injury
caused by an uninsured/underinsured or hit-and-run
driver, to:
• Pays up to the limit you select.
You
A qualified family member
Others occupying your vehicle
*Special theft limitation: coverage begins 48 hours after you notify us and the police.
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Auto Coverage

Home
Insurance
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Homeowner Coverage
Why Farmers Home is a Smart Choice
Your home is probably your most valuable financial investment. But it’s so much more than that! Your
home represents your family, your lifestyle, your escape from the world outside, and that reward for
years of hard work and dedication.
And Farmers understands how vital it is to protect that. That’s why we’ve spent 85 years building a
Smarter Choice in Home Insurance. With Farmers Home Insurance, you get so much more than just
coverage.
When it comes to protecting your investments, there are few things more important than insuring your
home.
Homeowners insurance can help you:
• Cover your property and possessions if they’re damaged or destroyed by a covered loss.
• Protect your assets if you’re sued for your alleged negligence that caused an accidental resulting in
property damage or injury to another.
To know you’re covered the way you want, it’s important to know how much coverage you want, and
which coverage options are available to you.
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Homeowner Coverage
Things to think about when choosing coverage
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The Replacement Cost of Your Home
What would it take to rebuild your home at today's prices?
Keep in mind, the price you paid for your home is not necessarily what it will cost to rebuild it. An
average “spec” home, once burned down, becomes custom when rebuilt. In addition, the builder
will have to deal with debris removal and create plans to fit an existing slab. Without the benefits
of lumber and labor costs that new home builders enjoy, you can see how quickly the price to
rebuild on your existing land would be considerably more expensive than purchasing a new one.
Don’t allow insurers to reduce exposure by insuring your property for less than it would cost to
rebuild! In the event of a total loss, most insurers require you to carry at least 80% of the total
replacement cost of your home to receive full benefits. If you fail to retain this required amount,
you could find yourself coming out of pocket for much more than your deductible if a loss arrises!
We will work with you to estimate the reconstruction cost of your home.

Homeowner Coverage
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Your Liability Needs
If you were to be sued because of an accident or injury for which you were legally responsible, would your
financial assets be at risk?
Life happens, and at some point you could be responsible, or liable, for injuries, accidents, and damages
that happen on your property or anywhere else, for that matter. You can protect your assets against claims
and lawsuits with liability coverage available on your homeowners policy.

Homeowner Coverage
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Value of Your Personal Property
It’s difficult to know exactly how many things you own, and how much your personal possessions are really worth until
you do a full home inventory.
That means going room to room, making a list, and taking pictures of what you have (include as much detail as possible).
With a better idea of the value of your personal property, you can more accurately choose the coverage you want to
replace your items in the event of a covered loss.
With some limited exceptions, a Farmers Homeowners policy will usually cover your personal property anywhere in the
world, for the limits stated in your policy.

Flood
Insurance
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Flood Insurance – Home
Your Homeowner Policy Does NOT Cover Flood Damage
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• Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry
land or two or more properties are inundated by water or mudflow.
• Many conditions can result in a flood: hurricanes, overtopped levees, outdated or clogged drainage systems and
rapid accumulation of rainfall.
• Just because you haven't experienced a flood in the past, doesn't mean you won't in the future.
• Flood risk isn't just based on history, it's also based on a number of factors: rainfall, river-flow and tidal-surge data,
topography, flood-control measures, and changes due to building and development.

Flood Insurance
Defining Flood Risks
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Flooding can happen anywhere, but certain areas are especially prone to serious flooding. To help communities
understand their risk, flood maps (Flood Insurance Rate Maps, FIRMs) have been created to show the locations of high-
risk, moderate- to low-risk and undetermined-risk areas.
Here are the definitions for each:
High Risk Areas - (Special Flood Hazard Area Or SFHA)
In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage. All home and business owners
in these areas with mortgages from federally regulated or insured lenders are required to buy flood insurance. They are
shown on the flood maps as zones labeled with the letters A or V.

Flood Insurance
Defining Flood Risks
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Moderate- To Low-Risk Areas - (Non-Special Flood Hazard Area Or NSFA)
In moderate- to low-risk areas, the risk of being flooded is reduced but not completely removed. These areas submit
over 20% of NFIP claims and receive one-third of disaster assistance for flooding. Flood insurance isn't federally required
in moderate-to-low areas, but it is recommended for all property owners and renters. They are shown on flood maps as
zones labeled with the letters B, C or X (or a shaded X).
Undetermined Risk Areas
No flood-hazard analysis has been conducted in these areas, but a flood risk still exists. Flood insurance rates reflect the
uncertainty of the flood risk. These areas are labeled with the letter D on the flood maps.

Flood Insurance
The Basics
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Coverage
As with any other type of insurance, it's important to know what your policy does and doesn't cover. For example,
damage caused by a sewer backup is only covered by flood insurance if it's a direct result of flooding. The damage is not
covered if the backup is caused by some other problem. For a complete summary of coverage, go to What's Covered.
Deductible
Deductibles apply separately to building and contents with different amounts to choose from. Like other insurance plans,
a higher deductible will lower the premium you pay but will also reduce your claim payment. Your mortgage lender can
also set a maximum amount for your deductible.
Rates
The NFIP, a federal program, offers flood insurance, which can be purchased through most leading insurance companies.
Rates are set and do not differ from company to company or agent to agent. These rates depend on several factors,
including the date and type of construction of your home, along with your area's level of risk. Most premiums include a
Federal Policy Fee and ICC Premium. If your community participates in the Community Rating System (CRS), you may
qualify for an insurance premium discount in some communities of up to 45% if you live in a high-risk area and up to
10% in moderate- to low-risk areas.

Flood Insurance
The Basics
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Waiting Period
Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. Here are the only
exceptions:
• If flood insurance is purchased in connection with making, increasing, extending, or renewing your loan, there is no waiting period.
• If a building is newly designated in the Special Flood Hazard Area (SFHA) and flood insurance is purchased within the 13-month period following a
map revision, there is a 1-day waiting period.
• If additional insurance is selected as an option on the renewal bill, there is no waiting period.
• If a property is affected by flooding on burned Federal land that is a result of, or is exacerbated by, post-wildfire conditions when the policy is
purchased within 60 days of the fire containment date, there may be no waiting period. Waiving of the waiting period is determined at the time of
claim.
Payment
Payment must be made for the full year's premium.
The National Flood Insurance Program accepts check and credit card payments (American Express, Discover Card,
MasterCard or Visa).

Flood Insurance
The Facts
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• In the past 5 years, all 50 states have experienced floods or flash floods.
• Everyone lives in a flood zone. (For more information, visit our Flood Zones FAQs.)
• Homeowners' insurance does not cover flood damage.
• If you live in a Special Flood Hazard Area (SFHA) or high-risk area and have a Federally backed mortgage, your mortgage lender
requires you to have flood insurance. (To find your flood risk, fill out the Flood Risk Profile.)
• Just a few inches of water from a flood can cause tens of thousands of dollars in damage.
• Flash floods often bring walls of water 10 to 15 feet high.
• A car can easily be carried away by just two feet of rushing water.
• Hurricanes, winter storms and snowmelt are common (but often overlooked) causes of flooding.
• New land development can increase flood risk, especially if the construction changes natural runoff paths.
• Federal disaster assistance is usually a loan that must be paid back with interest. For a $50,000 loan at 4% interest, your monthly
payment would be around $240 a month ($2,880 a year) for 30 years. Compare that to a $100,000 flood insurance premium,
which is about $400 a year ($33 a month).

Flood Insurance
The Facts
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• A Preferred Risk Policy provides both building and contents coverage for properties in moderate- to low-risk areas for one low-
price.
• You are eligible to purchase flood insurance as long as your community participates in the National Flood Insurance
Program. Check the Community Status Book to see if your community is already an NFIP partner.
• In most cases, it takes 30 days after purchase for a policy to take effect, so it's important to buy insurance before the storm
approaches and the floodwaters start to rise.
• In a high-risk area, your home is more likely to be damaged by flood than by fire.
• Even though flood insurance isn't federally required, anyone can be financially vulnerable to floods. In fact, people outside of
mapped high-risk flood areas file over 20-percent of all National Flood Insurance Program flood insurance claims and receive
one-third of Federal Disaster Assistance for flooding.
• From 2005 to 2014, total flood insurance claims averaged more than $3.5 billion per year.
• When your community participates in the Community Rating System (CRS), you can qualify for an insurance premium reduction
discount of up to 45% if you live in a high-risk area and up to 10% in moderate- to low-risk areas.
• Since 1978, The NFIP has paid nearly $50 billion for flood insurance claims and related costs (as of 2/17/15).
• There are currently more than 5.3 million flood policies in force across more than 22,000 communities in the U.S.
• The two most common reimbursement methods for flood claims are: Replacement Cost Value (RCV) and Actual Cash Value
(ACV). The RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences
insured to at least 80% of the building's replacement cost.
For more policy and claim statistics, visit the National Flood Insurance Program.

What’s Covered
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Building Property
• The insured building and its foundation
• Electrical and plumbing systems
• Central air conditioning equipment, furnaces and water heaters
• Refrigerators, cooking stoves and built-in appliances such as dishwashers
• Permanently installed carpeting over unfinished flooring
• Permanently installed paneling, wallboard, bookcases and cabinets
• Window blinds
• Detached garages (up to 10 percent of building property coverage); detached buildings (other than garages)
require a separate building property policy
• Debris removal
Personal Contents Property
• Personal belongings, such as clothing, furniture and electronic equipment
• Curtains
• Portable and window air conditioners
• Portable microwave ovens and portable dishwashers
• Carpets that are not included in building coverage
• Clothing washers and dryers
• Food freezers and the food in them
• Certain valuable items such as original artwork and furs (up to $2,500)

What’s NOT Covered
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• Damage caused by moisture, mildew or mold that could have been avoided by the property owner
• Currency, precious metals and valuable papers such as stock certificates
• Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks,
patios, fences, seawalls, hot tubs and swimming pools
• Living expenses such as temporary housing
• Financial losses caused by business interruption or loss of use of insured property
• Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy)
• Coverage is limited for basements and areas below the lowest elevated floor including crawl spaces under an
elevated building.

Business Property Risk
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As a business owner, you know that protecting your building and your contents is
vital to its survival. Your business is either in a high-risk or moderate- to low-risk area
and insurance premiums vary accordingly.
Flood Insurance – Business
Moderate- To Low-Risk
Most commercial buildings in a moderate- to low-risk area qualify for coverage at a preferred rate. A Preferred Risk
Policy provides both building and contents coverage for properties in moderate- to low-risk areas for one low-price.
You can also opt for Contents Only coverage, if you prefer. Commercial coverage gives you up to $500,000 of
insurance to protect your building and up to $500,000 to protect its contents.
If you don't qualify for a Preferred Risk Policy, a standard rated policy is still available. Even though flood insurance
isn't federally required, anyone can be financially vulnerable to floods. In fact, people outside of mapped high-risk
flood areas file over 20-percent of all National Flood Insurance Program flood insurance claims and receive one-third
of Federal Disaster Assistance for flooding. When it's available, disaster assistance is typically a loan you must repay
with interest.

Business Property Risk
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As a business owner, you know that protecting your building and your contents is
vital to its survival. Your business is either in a high-risk or moderate- to low-risk area
and insurance premiums vary accordingly.
High-Risk
If you live in a high-risk area, a standard rated policy is the only option for you.
It offers separate building and contents coverage.
Flood insurance premiums are calculated based on factors such as:
• Year of building construction
• Building occupancy
• Number of floors
• The location of its contents
• Its flood risk (i.e. its flood zone)
• The location of the lowest floor in relation to the elevation requirement on the flood map (in newer buildings only)
• The deductible you choose and the amount of building and contents coverage
If your commercial property is in a high-risk flood area and you have a mortgage from a federally regulated or insured lender,
you are required to purchase a flood insurance policy.

Note: All non-residential business and other non-residential buildings,
including non-residential condominium buildings, are eligible for the
Preferred Risk Policy. Individual non-residential condominium units
are only eligible for contents-only coverage. In addition, individual
residential condominium unit owners in non-residential condominium
buildings are only eligible for contents-only coverage.
Note: Replacement Cost coverage is not available for the building or
contents. All claims will be settled using Actual Cash Value
(depreciated value). Business interruption is not available coverage in
the National Flood Insurance Program.
Note: Contents located entirely in a basement are not eligible for
contents-only coverage.
Note: Properties that have been newly mapped into a high-risk flood
area may qualify for an equivalent preferred risk rate through the
Newly Mapped procedure rating option. This premium table does not
apply to those properties. Contact your agent for a quote.
The NFIP's Preferred Risk Policy (PRP) covers commercial property
in areas of moderate- to low-risk. This brochure provides information
for building owners and tenants on premiums and coverage amounts.
NON-RESIDENTIAL: PREFERRED RISK POLICY
(ZONES B, C, X)
High-Risk Areas
Rates in high-risk areas (A and V Zones) are calculated based on a variety
of factors, including elevation and building construction. Policies can be
purchased for contents only, building only, or both contents and building
coverage. Talk to a licensed insurance agent to determine the premium for
your specific property.

Flood Insurance
How to Obtain a Policy
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• Flood insurance can only be purchased through an
insurance agent; you cannot buy it directly from
the federal government.
• Flood insurance is available to homeowners,
renters, condo owners/renters, and commercial
owners/renters. Costs vary depending on how
much insurance is purchased, what it covers and
the property's flood risk.
• All policy forms provide coverage for buildings and
contents. However, you might want to discuss
insuring personal property, since contents
coverage is optional.
• Typically, there's a 30-day waiting period from date
of purchase before your policy goes into effect.
That means now is the best time to buy flood
insurance.

Life insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave SE, Mercer Island, WA 98040.
Products & features may not be available in all states & may vary by state.
Life
Insurance
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Getting Started
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Life insurance is a great way to help prepare for life’s unexpected moments.
Like most of us, you probably worry about the future.
1. Can we pay off the house?
2. Will my kids get a good education?
3. Will they grow up healthy and happy?
With life insurance, you can know that no matter what tomorrow may bring,
you can help support your family’s financial future.
So, how do you get started?

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Understanding Life Insurance
Interested in helping to protect your loved ones' financial future, but not sure where to
begin? We’ve put our 100 years of experience and know-how at your disposal.
With the Kim Hastings Agency, we’ll help you understand:
•When is the best time to apply for life insurance?
•How much coverage do you need?
•What types of coverage are available?
•How do I talk to my family and my agent about Life insurance?

38
Life is all about options and choices, and so should is Farmers Life® insurance. With a variety of
coverage options and products, you can find the coverage that you want for your family and your
needs.
Understand the difference between temporary and permanent coverage.
See which term coverage options there are, for generally the greatest amount of coverage at the lowest
initial cost.
See which types of whole life insurance options there are, for permanent coverage and cash value
accumulation.
See which types of universal life insurance options there are, to help meet your current and future
financial needs.
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Selecting the Right Type of Coverage

39
To help illustrate, choosing the right type of life insurance to purchase is very similar to choosing
whether or not to buy or lease a home. Both have advantages and disadvantages. For most people
who buy, they do so for the following reasons:
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A Simple Illustration
Buying Leasing
1. Monthly Payment during term:
2. Monthly Payment with new lease:
3. Tax benefits:
4. Ability to pay off:
5. Evicted from Property:
6. Money back when sold:
Fixed Fixed
Fixed Increases
Possible Not Likely
Yes No
Never Possible
Yes No
In most cases, buying a home would make more sense…however, if you are only going to live in the home for a
few years, leasing would be your more financially appealing option. And so to is your decision on whether or
not to purchase or lease your life insurance.

40
Term Life insurance policies generally offer the greatest amount of coverage for the lowest initial cost –
they are the most straightforward form of coverage. If you have shorter-term needs and limited
money to spend on insurance, a Term Life insurance policy may be the best fit for you.
Policyholders generally pay a premium on a monthly or annual basis for the length of that term.
Proceeds help to cover financial responsibilities that decrease or end over time, like mortgages or car
loans, should something happen to the insured. With Term Life policies, premiums can increase at
the end of the fixed-term period.
Term Life insurance policies are typically used to help provide additional Life insurance coverage
during child-raising years, to help pay for short-term debts, help pay off a mortgage, or fund a
college education should something unexpected happen.
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Temporary (Term) Insurance

41
Simple Term Life insurance coverage is designed with a simplified Life insurance application and
accelerated underwriting process. This product offers level-term insurance with face amounts low
enough to fit most budgets, and guaranteed premiums that are level for 10, 20, or 30 years.
Features
• Coverage starting at $75,000
• Living benefits
• Convertible to lifelong coverage that builds cash value regardless of health
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Farmers Simple Term

42
Farmers Value Term provides affordable Life insurance coverage with premiums that are guaranteed not
to increase for 10, 20, or 30 years. When you need enough coverage to protect your family against
loss of income or the cost of a mortgage, Farmers Value Term may be a cost-effective solution for
you.
Features
• Guaranteed level death benefit
• Guaranteed level premiums
• Coverage starting $150,000
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Farmers Value Term

43
Farmers Decreasing Term Life insurance is decreasing-term coverage with premiums guaranteed to
remain level as long as the policy is in force. The death benefit decreases monthly, rather than
annually, to more closely follow the declining loan balance of a traditional fixed home mortgage.
Once the death benefit decreases to a level equal to 20 percent of the initial face amount, it then
remains level until the policy expires.
Features
• Coverage starting at $50,0004
• Living benefits
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Farmers Decreasing Term

Renters
Insurance
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Even if you don’t own a home, you probably own a great deal more than you think. Consider all of your
furniture, electronics, clothing, appliances, and jewelry, as well as any art, books, or musical instruments
you own.
Beyond your personal property, what if you’re found liable for injuries sustained by visitors in your home
as a result of negligence?
Renters insurance covers your personal property, and even covers you from liability claims while you’re
renting. Also, if your rented home ever needs serious repairs, and you’re unable to live there, it also
covers the reasonable and necessary increase in living expenses (housing, food, etc.) you may incur.
The best part? Renters insurance is affordable. For about the price of a movie and popcorn once a month
(just pocket change each day), you can purchase coverage for your personal belongings.
Renters Insurance
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Your Possessions: Many people make the mistake of underestimating the contents of their home, but the
value of your apparel, small appliances, electronics, furniture, and personal items can really add up.
Liability Claims: Renters insurance can also help you to cover your assets in the event a guest or visitor to
your home is injured as a result of your negligence and brings a liability claim against you, or sues you.
When considering the amount of Liability insurance coverage you want to purchase, keep in mind the
value of your assets.
Taking an inventory of your personal property can help you determine how much coverage you want to
purchase.
Renters Insurance
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A home inventory is what it sounds like; a detailed list of everything in your home…from basement to
attic, furniture to fixtures. If you bought it, it goes on the list.
For everything in the inventory, you’ll want to include a(n):
• Description of the item
• Serial number
• Purchase date
• Estimated value
How you make the inventory is up to you though. You can write everything down in a notebook, make a
spreadsheet, get super techy with cool inventory apps, or be creative and make a home movie of all your
stuff (complete with a celebrity voice over). At this Kim Hastings Agency, we recommend you upload
photos and receipts into your VIP Customer Portal.
However you get it done, just make sure you’re as thorough as you can be!
Home Inventory
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*Subject to policy terms, conditions, limits, and exclusions
This brief summary is not a policy document. Please read the actual policy documents for your state for important details
on coverage, terms, conditions, limits, and exclusions. If there is any conflict between this summary and the policy
documents, the policy documents will control. Not all products and discounts are available in every state.
Umbrella
Insurance
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Life is unpredictable, and as much as you plan, there’s always something
around the bend that never crossed your worried mind.
If the unexpected occurs, do you have enough liability limits to protect your
and your family’s assets the way you want?
If you were found liable for an accident, would your current liability limits
cover the judgment against you, or could your assets be at risk?
With a Personal Umbrella policy from Farmers, you’ll have additional liability
limits over and above those provided by your underlying policies*. Your
assets, as well as your future earnings, are covered.
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Personal Umbrella Liability

Business
Insurance
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While your day-to-day operations are complex, understanding Business insurance doesn't have to
be. There are coverage options available to protect just about every aspect of your business from
employee injury to natural disasters.
Some insurance is required by law and others by business associates, such as lenders and
landlords. Obtaining the right type and amount of insurance for your business will help you avoid
gaps in coverage where you need it most.
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Business Insurance

Minimum Coverage Options
• Property Insurance can fund repairs or replacements for damaged physical assets when disasters like
vandalism, fire, windstorms, or hail strike.
• Liability Insurance can protect against financial losses resulting from claims of injury or property
damage caused by you or your employees and your products or services.
• Workers' Compensation Insurance can satisfy your employees' medical needs in the event of an
accident or disease and make a quick return to work possible, while removing lawsuit potential by
current or former employees.
• Business Auto Insurance can get you on the road again quickly after an accident and ensure your
business is protected against losses from injuries to other drivers, passengers and pedestrians for
which you and your employees are liable.
• Business Crime Insurance can protect against fraud, theft, forgery or robbery.
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Business Insurance

Employment Practices Liability can cover your business if discrimination, sexual harassment or
wrongful termination claims are made by present, former or future employees.
Life Insurance for Business Owners can help you plan for business succession, survive the loss
of a key employee or partner and retain/reward your top people.
Umbrella can shield your business from potentially ruinous lawsuits with additional liability
coverage.
Bailee can protect against damage to customers' goods, including jewelry and clothing.
Transportation and Cargo to cover against goods that are damaged or lost when transported
by one of your vehicles or common contract carriers.
Spoilage for perishable goods when they spoil due to a mechanical breakdown or power
outage.
Delivery/Catering Non-Owned Auto if an employee is involved in an auto accident while
driving a personal automobile on company business, such as in a delivery or catering service.
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Business Insurance

Boat
Insurance
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Boat and Watercraft Insurance
Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it. So
protect your fun investment with coverage that’s designed with the boat lover in mind. Not with some standard coverage or
add-on to your Homeowners insurance.
Get the Boat insurance that goes beyond standard. Something that gives you the options you want, all in one package.
Boat insurance packages
Farmers offers a variety of industry-leading Boat insurance packages, to give you more choices and more
options in the simplest way possible.
Just pick the marine package that fits your lifestyle and budget, and get the coverage you want all in one.

Motorcycle
Insurance
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Motorcycle Insurance
What We Cover
Our specialized Motorcycle policy provides outstanding standard and optional coverage, including coverage for
accessories, safety-related gear, and much more. We accept a wide variety of motorcycles, including:
• Cruisers
• Touring bikes
• Sport cycles
• Trike conversions
• Custom cycles
• Classic bikes
• And more!
Great savings with multiline discounts!
24/7 claim service
Seasonal Use Rates

Condo
Insurance
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Condo Insurance
Farmers Condominium insurance allows you to select the coverage you want for the things you value most, like:
Your condo - You're covered for accidental damage to improvements you make in your unit that your association's policy
does not cover, up to your condo insurance policy limits.
Your possessions - Insurance covers your personal belongings too, up to your policy limits.
Your assets - Condo insurance can help protect your assets from liability claims if you are sued.
Here are some questions to ask yourself when considering coverage:
• How much would I need to cover my financial investment if disaster did strike?
• What would it cost to replace my personal belongings in my home?
• If someone threaten to take me to court, would my assets be covered?

Travel Trailer
Insurance
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Travel Trailer Insurance
Whether you're just starting out with a brief trip, or a veteran full-timer taking all the amenities of home with you, you still
want to know that you have comprehensive Travel Trailer insurance coverage in case something happens.
Our policies provide important standard and optional coverages not available in conventional auto policies, or in the
stripped down RV policies offered by other companies. A Farmers travel trailer insurance policy can give you the coverage
you want at a price that fits your budget.
Coverage included with your policy
Here are some of the travel trailer coverages we offer that aren't included in a typical auto policy:
• Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire,
smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
• Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

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Travel Trailer Insurance
Optional coverage
Farmers offers optional coverage that lets you customize your policy. These are a few popular options:
• Total Loss Replacement Coverage protects your travel trailer from the effects of depreciation. If your new-model travel trailer is
destroyed within its first five model years, we'll pay to replace it with a brand new one of similar kind and quality - no matter what it
costs.
• Emergency Expenses Coverage pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles
from home.
• Campsite/Vacation Liability Coverage when you are parked and using your travel trailer as a residence.
• Replacement Cost Coverage on destroyed or stolen personal belongings.
• TraveLine® Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside
service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments
required, either. Just sign and drive. What's more, your travel trailer - and your tow vehicle - are covered, regardless of who is driving!
• Full-Timer Coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability
protection when you are on the road, a Farmers Full-Timer policy covers you when you are parked and using your rig as a residence, too.
• Stationary Travel Trailer Program gives you extensive comprehensive and contents coverage if you use your travel trailer as a seasonal or
permanent residence. This includes liability coverage that covers liability, medical payments to others, and property damage claims
caused by an accident for which you are held liable. This program provides you with additional protection since your auto or homeowners
policies may not extend coverage to you.

Off-Road
Vehicle
Insurance
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Off-Road Vehicle Insurance
Here are some of the types of ORV insurance coverage:
• Year-round coverage
• Safety apparel coverage
• Towed trailer coverage
• After-market parts and accessories
• Transport trailer
• Collision Coverage and Other than Collision Coverage
• Increased limits on Liability
Covered vehicles include:
• Snowmobiles
• Dirt bikes
• Dune buggies
• Golf carts
• 3-wheel, 4-wheel and 6-wheel ATVs
• And more!

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Types of coverage
Coverage geared toward an off-road vehicle that may not be available in a conventional Auto or Home policy.
• Collision Coverage
• Other Than Collision Coverage
• Liability Coverage
• Medical Payments Coverage
• Safety Apparel Coverage provides up to $1,500 in coverage for damage to any clothing designed to minimize
damage from an accident, including helmets and goggles.
Optional coverages
• For extra protection out on the trail, and because not everyone's circumstances are the same, we offer a variety of
options like:
• Increased limits on liability
• Optional Equipment Coverage including towable trailers or sleds made for use with an ATV or snowmobile
• Coverage on transport trailers valued up to $7,500

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Off-Road Vehicle insurance discounts
Farmers offers a variety of discounts that can save you money on your insurance premium. And there's no limit to the
number of discounts you can receive if you qualify. With a Farmers policy, you may be eligible for the following discounts:
• Multi-unit discounts of up to 10%
• Multi-policy discount
• Renewal discount for maintaining continuous coverage
• Safety course discount
• Discount for prior Off-Road Vehicle insurance

Driver Safety
Tips
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Teen Drivers
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Let’s be honest…parenting a teenager these days is serious business, (what
with the Internet, social media, smart phones, texting, and all that loud music!)
and getting them ready for the road can be terrifying.
So to help make your teen smarter behind the wheel plus help stop your hand
from shaking as you hand over the keys, here are 5 tips for dealing with a new
teen driver:
1. Demonstrate good driving behavior early
They started copying you when they were babies (remember when they
repeated that one word you wish they hadn’t?) so it’s no surprise that kids
mimic your behavior behind the wheel, too! If you want your new driver to
keep off the phone, stay calm, and focus on the road, remember to do that
kind of stuff yourself. Think of yourself as a road role model, and drive that
way.

Teen Drivers
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2. It’s OK to let a Pro teach them
You’ve been teaching them stuff their whole lives (how to walk, tie their shoes,
throw a baseball, talk to girls) so it makes sense that you’d want to teach them to
drive too. But the reality is this is a tough time in both your lives.
You want them to be the safest drivers on the planet…and they just want to grow
up and drive away. That’s why hiring a professional driving instructor or signing
them up for Driver’s Ed is a good idea.
It may be unnerving, but they'll get the right info and training. And this way, it
won't affect your relationship, or their maturity. It may even earn them an Auto
insurance discount!

Teen Drivers
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3. Set realistic boundaries
It may not feel like it sometimes, but kids crave rules and boundaries (even if they break them
once in a blue moon).
So talk to your kids early on and discuss their boundaries as new drivers. Maybe you don’t
want them going more than 20 miles from home, driving with a bunch of friends in the car, or
riding around after dark…at least for the first few months.
Whatever guidelines you think are best, lay them down well in advance and you’ll avoid those
big arguments when your teen starts driving.
Take advantage of the Kim Hastings Agency Teen Driver Commitment to Safety Program!

Teen Drivers
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4. Talk to them about the risks of driving…not just drinking and driving
You’ve probably been talking to your kids about drinking and driving for a while now,
because since forever, that’s been parents' biggest concern.
But now we’re in a world of Smartphones, tablets, Smartwatches, satellite radio, and who
knows what else technology is on the horizon! That means countless new distractions for
drivers, young and old. So spell them out for your teen, and help them understand the
dangers of distracted driving just as much as the dangers of drinking and driving.

Teen Drivers
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5. Share driving responsibilities
As new drivers, it’s a good idea to give your teen excuses to practice their skills. Send
them out to the grocery store, have them pick up their little brother from soccer
practice, or ask them to drive Dad to the airport.
It may take a little getting used to for you, but sharing the household driving
responsibilities takes some of them off your plate.
It’ll also expand their skills and get them ready for the boring realities of driving in the
real world.

Teen Drivers
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At the Kim Hastings Agency, the most important thing we could
do is to help you prepare your child for the unpredictable world
of driving.
With the help from M.A.D.D., we have created a Parent/Teen
Safety Program that could quite possibly save the life of your
child.
Using a video and our Teen-Parent Agreement, we will raise
awareness of the dangers and reduce a teen driver’s crash risk.
All we need is your corporation and your teens commitment to
safety.
Together, we can make a difference!

Health Insurance
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Save on Auto Insurance
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Keep your driving record clean
When it comes to driving, it’s wise to leave racing to the pros over at
NASCAR. Why? While using caution on the road may not win you any
checkered flags, it could translate into substantial car insurance savings down
the line.
In fact, Farmers offers a safe driver discount* if you’ve managed to avoid
accidents and citations, and maintained a spotless record over a period of
time.
The information contained in this page is provided for general informational purposes only. The information is provided by Farmers and the Kim Hastings Agency, and while we endeavor to keep the information up to date
and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to this article or the information, products, services
or related graphics, if any, contained in this article for any purpose. The information is not meant as professional or expert advice, and any reliance you place on such information is therefore strictly at your own risk.

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Choose your car wisely
There’s a lot to consider when shopping for a new car – comfort, options, fuel economy,
and (most importantly) cost. But a factor that’s often overlooked is auto insurance.
Auto insurance rates are calculated based on a host of factors such as make and model,
cost of replacing parts, crash test rating, history of theft claims, price, and more.
(Believe it or not, if the SUV you’re planning to buy is considered theft-prone, that could
possibly drive up your premiums.)
Before you walk out of the dealership with a new car, contact our agency and we can help
you compare insurance rates on different models.

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Research your car’s safety reputation
Keep in mind that owning a car with a high safety rating not only makes you
and your family safer on the road, but with a reduced risk of accidents, it
could lead to a lower premium too. Also, cars with factory-installed safety
features such as air bags, automatic seat belts, anti-lock brakes, or an anti-
theft device, may help you qualify for additional savings.

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Look into teen and senior discounts
As any parent will tell you, it’s hard not to picture the worst case scenario and
worry about mounting expenses when your teen gets behind the wheel for
the first time.
There’s a silver lining though! Teen drivers who have good grades or live away
at school may be eligible for policy discounts. So you’re usually better off
adding them to the family plan rather than purchasing a separate policy.
Seniors, too, enjoy some auto insurance perks.
Farmers, for example, offers discounts to residents of most states, who are 55
and older, and have completed an approved driving course.

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Cut down on your driving
Driving less could save you a bundle not only on gas but also on your premium. If it’s
an option, try moving closer to work or carpooling. Infrequent drivers are at a lower
risk of being involved in an accident, and may therefore enjoy low-mileage discounts.
Remember, it’s never a good idea to let your car insurance policy collect dust. Doing a
yearly check-in with your agent and reviewing your existing policy can really pay off.
Our agency can point out any discounts you may be missing out on, and help revise
your policy to cut costs.

Why Did My
Premium Go
Up?
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Workers Compensation
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You pride yourself on operating a safe, secure work environment where your employees
can perform to the best of their ability while helping your business grow.
Even in the most ideal circumstances, the reality is that accidents and illness still happen.
A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a
construction site causing eye injury—it could be any number of things.
Upon the unexpected, it's essential that your employees' medical needs are quickly
addressed so they can return to work as fast as possible. And that's exactly what the Kim
Hastings Agency can help you do.
Allow us to create a tailored, multi-covered solution, including Workers' Compensation
Insurance that meets the specific needs of your business.
Safeguard Your Business and Employees

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Farmers is constantly working to reduce rising Workers' Compensation costs, and its complete medical and disability
management program can do just that for your unique business. Offering managed care, education and other
customized services to help control your Workers' Compensation premiums, this program includes:
• An extensive Preferred Provider Organization (PPO) network of clinics, physicians and hospitals committed to
excellent treatment as well as managing costs.
• Expert review of treatment plans, need for hospital admissions, billing accuracy and potential fraud.
• Early Return-to-Work Programs bringing employees back on the job as soon as possible, saving you money in
temporary disability payments and retraining costs.
• Provision of educational materials designed to educate employees on Workers' Compensation safety programs.
• Farmers Claim Services offers 24/7 online claim filing to ensure that businesses operating around-the-clock don't
lose valuable time between filing a claim and the resolution.
Farmers also offers a valuable addition to its Workers' Compensation coverage in the form of Loss Control Services.
These services help your employees by identifying workplace hazards, such as a faulty electrical wire in the kitchen,
providing a safe environment for employees. The safety and loss prevention materials include tips on how to reduce
slip and fall accidents in restaurants, ladder safety tips and how to prevent back injuries.
Reduce Costs, injuries and losses

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• Do you have an injured worker who needs a doctor?
• Do you need a list of first treatment medical facilities for an insured client?
• Do you want a placard with a map of up to five first treatment medical facilities in our PPO network
(for Farmers policyholders)?
Use the search page to find first treatment medical facilities for injured workers by address, ZIP
code, or even by city.
Find a Doctor Near You
Preferred Provider Organization (PPO) Network

Emergency
Contact
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Disasters can happen without warning. Damage to roads, bridges and power
lines, or even because of continuing bad weather could mean that emergency
services and personnel may not be available for up to three days after a major
disaster. You could be on your own, and you need to be prepared.
During a catastrophic loss, we realize how
important it is to get your claim filed
before other claimants. To help us in this
process, we have an emergency response
program like no other.
By allowing us to maintain an emergency
contact and a trusted neighbor on file, we
increase our chances to get your claim filed
quickly and an adjuster out to your
property ahead of the others. This is just
one way that makes the Kim Hastings
Agency stand out from the rest!

Discounts
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Auto Insurance Discounts
•Bundle Discounts - Bundle your Farmers Auto policy with any of the
following Farmers products and you may earn multi-policy discounts:
• Home
• Renters
• Mobile Home / Specialty Dwelling
• Farmers Specialty (Motorcycle, boat, motor home, etc.)
• Life
•Business and Professional Group -If you’re employed or retired from an
approved occupational group (e.g., Accountants, Educators, Engineers,
Firefighters, Military, Law Enforcement, etc.), you may be eligible for this
discount. Contact us to see if you qualify.
•Distant Student - If your children go to school at least 100 miles from the
home and have no regular access to the covered car, this discount can lower
their rates.
•Multi-Car - We’ll discount your rates if you cover more than one vehicle
under the same Farmers Auto policy.
•Teen Driver - Add a single licensed teen driver to your policy (your child or
grandchild) and as long as you’ve had your policy in force for at least 2 years,
you’ll save.
You may be eligible for one or more of these discounts, subject to documentation. Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. Not all products and discounts are available in every state. Please contact a Farmers agent for details.

Discounts
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Planning Ahead Discounts
• Alternative Fuel - Earn this special rate discount if you drive a hybrid, electric, or other
new alternative fuel car.
• Early Shopping - Quote and purchase your new Farmers Auto policy at least 7 days before
it goes into effect and, as long as there’s no gap in coverage, you may save!
• Electronic Funds Transfer (EFT) - Pay your premium electronically and Farmers can
discount your rate.
• Homeowner - If you own your home you may earn this discount.
• Pay In Full - Pay your entire term premium in one lump sum, and we’ll reduce your rates.
• Transfer - Earn this discount when you switch to Farmers Insurance from another
approved carrier and without a lapse in coverage.

Discounts
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Classroom Discounts
Good Student - Good students are good best behind the wheel. Farmers can discount your
rate if any of the following apply to you:
High school student with at least a "B" average
College student with a 3.0 (out of 4.0) grade point average or higher
Dean's List or Honor Roll student
Student ranked in the top 20% of their class or in the top 20% in national standardized
tests
Please be ready to submit proof of eligibility (a copy of a report card, grade-point average,
etc.) when requesting this discount.

Discounts
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Discounts for the Household
• Affinity - Farmers has good working relationships with local businesses and professional
groups. If you are employed by one of them, or even retired from one, you may qualify
for an additional discount.
• Bundle Discounts - Bundle a Farmers Home insurance policy with a Farmers Auto and/or
Life insurance policy, and you may earn a discount for your premium.
• Non-Smoker - Statistically speaking, smoking in the house can dramatically increase the
chances of fire or smoke damage. That’s why Farmers offers this discount to households
that have been smoke-free for the past two years.
Homeowner Insurance Discounts

Discounts
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Home Upkeep Discounts
• Home Renovation - If you recently renovated your home’s heating and electrical, or
plumbing systems, you can receive this discount.
• New Home - The Alamo is a pride of Texas, but newer construction also has its
charms. If your home was built in the past 12 years, you can qualify for this discount.
• New Roof - From June through August everyone in Texas is happy to sit under a good
roof. If you gave your home a new roof in the past six years, you’ll be happy about
this discount too.
• UL Approved Roofing Materials - If an object was to fall from the sky, we’d prefer
you to be safe. If your roof is made out of impact-resistant materials like asphalt or
fiberglass shingles that have been approved by Underwriters Laboratories, you may
qualify for this discount.

Discounts
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Home Safety Discounts
• Home Safety - If you’ve taken steps to improve the safety and energy
efficiency of your home with features like reinforced windows and walls,
water leak or gas valve shut offs, or ENERGY STAR, EPA, or LEED
certification, Farmers will thank you with this discount.
• Protective Devices - If you’ve invested in additional protective devices
like a fire alarm, a security system, and/or an internal sprinkler system,
Farmers can give some of your investment back with this discount.

Your Client
Portal
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As one of our preferred clients, you will have access to our
proprietary Client Management Portal. This portal will allow you to:
1. Set appointments with our office by phone, in person or
even video conference!
2. Easily request policy and discount reviews.
3. Request information on additional insurance products.
4. See how bundling products can reduce your insurance
premium.
5. Update your insurance records 24/7.
6. View conversation history.
7. Access important documents and store all insurance
records in one place.
8. Document insured valuables for future access.
VIP Access!

Keeping Your
Informed
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