The information contained within the Farmers Home Group (FHG) Web site is intended as general information and is not intended to be a contract, solicitation or an offer to sell insurance products. The information and descriptions are generally not a complete description of all terms, conditions and exclusions applicable to the products and services described. The actual insurance policy or service contract provides the actual terms, language, coverage amounts, conditions and exclusions of all insurance and service coverages. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact the company or its authorized agent representatives. Products and services referenced herein may not be available in all states.  

Please be advised that as part of the underwriting review and confirmation process, FHG may use consumer reports, which may include credit information, as well as claim history and driving record. You may request that FHG provide the source of the consumer reports and their toll-free number so that you may verify and correct such information.  

The information contained within the FHG Web site was believed to be accurate at the time it was posted. FHG periodically updates the information on its Web site; however, its does not accept responsibility for the timeliness of the information at the time it may be accessed. Please note that the information contained in the FHG Web site is subject to change without notice. FHG intends to update the information contained on its Web site on a regular basis as warranted; however, there is no commitment to update any of the information contained herein.  

Links to other Internet sites that are not maintained by FHG may be accessed through the FHG Web site. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations and entities independent of FHG. FHG is not responsible for the content of those sites, nor does it approve, endorse or certify information available at any external site or linked addresses contained within its Web site.  

The terms Farmers Home Group, FHG, Farmers Home Mutual Insurance Company, FHM, Western Home Insurance Company, WHI, Pioneer Insurance Company, PIC, FHG Services, Incorporated, FHGSI, FHG Network, Personal Insurance with a Personal Touch and the logos containing such terms, are trademarks of FHG and/or Farmers Home Mutual Insurance Company.  

The contents of the FHG Web site are protected by applicable copyright laws. You may print a copy of the information found at the FHG Web site for your personal use only, but you may not reproduce or distribute the text or graphics to others, substantially copy the information on your own server, or link to this Web site without prior written permission of FHG.  

THE INFORMATION CONTAINED HEREIN IS "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.  

In no event shall FHG, its affiliates or subsidiaries be liable for any special, indirect, incidental or consequential damages, or any other damages whatsoever, resulting from or accompanying your use of this site. These include, without limitation, loss of use or data; loss of revenues or profit; and failure of performance in any action, whether based in contract, negligence or other tortuous action, arising out of or in connection with the use of this site or performance of this information. In the event that certain states do not allow us to limit or exclude liability for incidental or consequential damages, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed in contract, negligence or other tortuous action, will be limited to the amount you have paid to access this site.  

At Farmers Home Group, we value the trust you have placed in us, and every day we diligently work to maintain that trust. That's why we welcome this opportunity to describe our privacy policies and the steps we take to protect your customer information.  

When you apply to Farmers Home Group for any type of insurance, you disclose information about yourself to us. State and federal laws regulate the collection, use and disclosure of such information. Farmers Home Group, its agents, affiliates and subsidiaries maintain physical, electronic and procedural safeguards that comply with state and federal regulations to guard your personal information. We also limit employee access to personally identifiable information to those with a business reason for knowing such information. Farmers Home Group instructs employees so they will understand the importance of maintaining the confidentiality of personal information, and we take appropriate measures to enforce employee privacy responsibilities.  

Farmers Home Group obtains most of our information directly from you. The application you complete, as well as any additional data you provide, generally gives us most of the information we need to know. Sometimes we may contact you by phone or mail to obtain additional information. We may also use information about you from your other transactions with our affiliates, others or us.  

Depending on the nature of your insurance transaction, we may need additional information about you or other individuals proposed for coverage. For auto insurance, we may need information from your motor vehicle records. For property coverages, we may send someone to inspect your property, verify information about its value and condition, and take a photograph. We may review insurance claim information and other loss information reports, and we may obtain medical or financial information to process some claims.  

We may obtain the additional information we need from third parties, including other insurance companies, government agencies, information clearinghouses, courts and other public records. We may receive consumer credit information from a consumer-reporting agency. [A report from a consumer-reporting agency may contain information as to creditworthiness, credit standing, credit capacity, character, general reputation, hobbies, occupation, personal characteristics or mode of living.] If we order an investigative consumer credit report, we will notify you as required by state laws and the federal Fair Credit Reporting Act (FCRA). Under the FCRA, you have the right to ask to be personally interviewed if we order an investigative consumer report. Upon receipt of your request, we will tell you how to get a copy of the report. The agency that prepares a consumer report for us may retain that report and disclose it to other persons as permitted by law.  

Information that has been collected about you may be retained in both our records and in your agent's files. We review this information when evaluating your request for insurance coverage and for determining your rates. We also refer to and use information in our policy records for purposes related to issuing and servicing insurance policies and settling claims. We may use information about you in our files for (insurance) marketing purposes or to help you with your overall insurance programs.  

If coverage is declined or the charge for coverage is increased because of information contained in a consumer report we obtained, we will tell you as required by state law and the federal Fair Credit Reporting Act. We also will give you the name and address of the consumer-reporting agency making the report.  

We may retain information about our former customers and may disclose that information to affiliates and non-affiliates as described in this notice.  

We usually will not disclose information about you to others unless the disclosure is necessary to conduct our business. We may disclose all the information that we collect as described above. We may disclose such information about you to the following types of third parties:  

You have the right to know what kind of information we keep in our files about you, to have reasonable access to it and to receive a copy. Contact us at any of the ways provided at the end of this notice if you have questions about what information we may have on file. Tell us what information you would like to receive. Provide your complete name, address, date of birth, type of active policy or policy applied for and all policy numbers. Certain types of information, generally collected when evaluating claims or possible lawsuits, need not be disclosed to you.

Within 30 business days of receipt of your request, we will inform you in writing of the nature and substance of locatable, retrievable and available recorded personal information about you in our files. We will also identify the persons or organizations to whom we have disclosed this information during the past two (2) years. In addition, you will be given the name and address of any consumer credit-reporting agency that prepared a report about you so that you can contact them directly for a copy of that report should you wish.

After you have reviewed the personal information about you in our file, you can contact us if you believe it should be corrected, amended or deleted. You will need to tell us what you think is wrong and why. We will consider your request and, within 30 business days, either change our files, or tell you that we did not and the reason why. If we do not make changes, you will have the right to insert in our file a concise statement containing what you believe to be the correct, relevant or fair information and explaining why you believe the information on file to be improper. We will notify persons designated by you to whom we have previously disclosed the information of the change or your statement. Subsequent disclosures we make also will include your statement.

We can be contacted by letter, telephone, facsimile, or e-mail, at:

Farmers Home Group 
P.O. Box 9420 
Minneapolis, MN 55440-9120 

Telephone: (952) 842-9800
Fax: (952) 830-6932
info@farmershome.com 
 

In compliance with the requirements of the Fair Credit Reporting Act (Public Law 91-508), Farmers Home Group advises that as part of our routine procedure in reviewing applications for insurance or renewals of insurance policies, we may procure a consumer report including information as to the consumer's character, general reputation, personal characteristics or mode of living.  

Upon request to this insurance company, as noted above, we will provide, in writing, a complete and accurate disclosure of the nature and scope of the consumer report requested or advise that no investigation was conducted.