A friend of mine just lost his house to an infamous flaming ford a couple of weeks back. He did not have insurance on the house, but the vehicle was not his, so we figured that the property damage part of the cars coverage would at least pay some money. Well guess what Farmers came up with? Since the car that caused the fire burned the house down, then it is not covered under the policy. Yes it sounds ridiculous but apparently since it was an apparent defect in the vehicle, they will not pay one red cent towards the damage the house sustained. Now I know this will be going to court, but if you have farmers, ask your agent how they would treat a similar incident. It seems a cop-out, since the standard procedure in lets say an uninsured driver hitting you is pay the damage then sue the hell out of the other guy. Not here. They have agreed to pay the car(full coverage), but the house can stay burned. Before any smart ass comments on "get insurance", in our town we are rated as not having any fire protection, and this house proved it. The fire house is across the street from my business and 1 mile from the gentlemans house. It still burned to the ground because they did have enough water or training to fight it properly!!!! The car was in the garage, and had just been placed there when it went up. The gentleman has two kids in college and is just another worker bee trying to make a living. He could pay the tution or the insurance. We have managed to raise a tidy sum to help him rebuild, but it will take time to settle with Ford, if at all, and he still needs to pay all his previous bills plus now try to replace what he lost. Everybody came out all right, but just the clothes on their back. Ask your agent, and pin the answer down. I no longer have them, they can ROT.