Jeff Sharp Agency - Farmers Insurance Group - Eugene, Oregon

03/05/2020

She Thinks Zipper Merging Is Rude. It Drives Him Nuts. What Car Pros Say About Controversial Rules of the Road
https://www.farmers.com/learn/plan-and-prep/car-myths/

01/30/2020

Frequently Asked Questions for
Home Sharing Coverage

What is Home Sharing?
Home Sharing involves renting the primary residence, or part of it, to a home-sharing occupant
either directly or through the use of a home-sharing network platform such as AirBNB or VRBO,
or through a rental agency. The rental must be on a short-term basis for a specified period of
time.

What is the Home Sharing endorsement?
This endorsement J7048 gives customers the option to buy back Home Sharing coverage which
is excluded from Farmers Smart Plan Home® policies with endorsement J7047 Home
Sharing Limitations.

Is there a minimum or maximum number of days for Home Sharing?
No. Not at this time. However, this could change in the future depending on claims experience.

What does the Home Sharing endorsement cover?
The endorsement provides coverage for FSPH polices for Coverage A (Dwelling), Coverage B
(Separate Structures), Coverage C (Personal Property), Coverage D (Loss of Use), Coverage E
(Personal Liability), Coverage F (Medical Payments to Others) and Liability Extensions of
Coverage of Claims Expenses, First Aid Expenses and Damage to Property of Others, when the
loss or damage arises from Home Sharing activities.

Are the limits for Home Sharing coverage the same as the underlying policy?
Yes- for Oregon. No - for Colorado. For Colorado, the Home Sharing Cov E Liability Limits are
$25,000.

Do I need to have the Home Sharing endorsement if I use my home for Home Sharing?
Yes. If any Home Sharing activities occur this endorsement is required. A policy is ineligible
without the endorsement. If a Home Sharing loss occurs on the policy without the endorsement,
it will not be covered.

Will the customer be notified Home Sharing will be excluded from FSPH?
Yes. At New Business and Renewal, if Home Sharing coverage has not been selected on the
policy, the amendatory endorsement (J7047) will be sent which excludes Home Sharing from
coverage for FSPH policies.

Does the endorsement provide coverage for my rental property or secondary home?
No. The home must be the primary residence and owner occupied - no secondary or seasonal
occupancy.

Are Home Share Losses chargeable?
Yes. Home Share losses can be surcharged.

Are Home Share Losses eligible for Claims Forgiveness?
Yes. Home Share losses are eligible for Claims Forgiveness.

Can this endorsement be added to any FSPH package?
Yes.

Can this endorsement be added to non-FSPH policies?
No. We only offer this coverage for FSPH policies.

What happens if someone does not add this endorsement, but then experiences a loss
while the home is being used for Home Sharing?
The loss will not be covered since the required coverage is not on the policy.

Will this endorsement cover damage to my personal property as a result of a Home
Sharing? What about theft of my personal property?
Yes. This endorsement provides coverage for Personal Property up to the Coverage C limits on
the policy. This includes theft as well as damage.
Refer to endorsement J7047 Home Sharing Limitations and J7048 Home Sharing Coverage
Endorsement for coverage details.

11/26/2019

Be careful out there!!

Our StormTracker 9 meteorologists are tracking a potential

08/20/2019

Something to be aware of Uber/Lyft drivers! Farmers offers a rider to your auto policy that covers you while ride sharing.

Click here for updates on this sto...

05/10/2018

Interesting information on Volcanos and insurance coverage!!

Business Risk, Homeowners Insurance The Kilauea volcano eruption – a primer on insurance coverage May 7, 2018 Maria Sassian Leave a comment Over two dozen homes have been destroyed so far when the Kilauea volcano on the island of Hawaii began erupting last week. Lava flowed into residential neighb...

04/11/2018

Check out our new Signal app! Just by signing up for it you earn a 3% discount. At your next renewal you could get up to a 13% discount!

Signal by Farmers® provides personalized, detailed information about your driving behavior. The app analyzes the mechanics of your trips and driving style so...

03/19/2018

Our sign looks pretty good when all lit up!!

01/17/2018

https://www.farmers.com/learn/plan-and-prep/5-common-home-repairs-and-projects/?utm_source=180117_FFV&utm_medium=Email_FFV&utm_campaign=EBEH&utm_content=DIY_or_Pay_title

Should you roll up your sleeves or pull out a checkbook? A featured contractor on HGTV’s “House Hunters Renovation” weighs in.

10/05/2017

http://www.nbcconnecticut.com/news/local/Dashboard-Devices-Causing-More-Distracted-Driving-AAA-449558813.html

A new study from the AAA Foundation for Traffic Safety found that infotainment centers included in the dashboards of our cars are causing more distracted driving.

10/02/2017

This started yesterday in Oregon......