Having kids...

Adding a new member to your family? 
Whether you're having a child or planning to adopt, this is a good time to review your insurance and financial needs.

• Do you have adequate Life insurance* to help cover your family should something happen to you?
• How can you prepare for the increasing cost of your child's college education?
• Thinking about buying a bigger home for your growing family?
• Need a larger or safer car for your growing family?
• Want to know about simple steps to child-proof your house

Robert Cardenas is your local agent in Round Rock, TX

Your local Farmers agent can help you to answer these questions and provide any additional information you may need.

As your family grows, you'll need to keep your Home, Life and Car insurance policies up to date with the addition of each new family member by reviewing your coverages with your Farmer's agent.

Handling Your Claim

Whether you’re reporting a simple fender bender or a catastrophic house fire, a dog bite or on-the-job injury, Farmers® follows the same basic five-step process to see every claim through from start to finish.

Here's what we do:

Claim assignment:
When HelpPoint® Claim Services receives your claim, it will be assigned to a claims professional. Depending on the complexity of your claim, you may work with a team of claims representatives, each of whom has experience handling a particular aspect of your claim.

Initial contact
A claims professional will contact you to:
• Gather facts surrounding your loss
• Review your coverage
• Explain how your claim will be handled
• Schedule an in-person appointment if one is needed
• Identify ways to protect your property from further damage

Estimate and evaluation
Your claims professional will then:
• Determine whether the loss is covered
• Inspect and document damage
• Interview witnesses or other involved individuals
• Take photos and samples (if needed)
• Evaluate your claim

Resolution
We’ll work with you to resolve your claim fairly either by:
• Paying what you’re owed
• Or explaining why there would be no payment on your claim

Close the claim
Once we’ve resolved your claim under the terms of your policy, we close the claim. If you discover additional expenses, we will re-open your claim to investigate.
Some claims are more complex than others. Regardless, Farmers® claims professionals are committed to do whatever it takes to resolve your claim. That’s our commitment to our policyholders.

If you have further questions about our HelpPoint service, please contact Robert Cardenas, your local Farmers agent in Round Rock, TX

Just like me, you can become your own boss today!

If you want to own your own business, represent one of the largest insurance groups in America, if you have the discipline and determination to learn and build a lucrative career, please contact us. The district office on your area will work with you to develop the business skills and expertise you need to grow your agency and succeed. While you'll be in business for yourself, We'll be there to guide and motivate you so you can achieve your goals.

Robert Cardenas is your local Farmers agent in Round Rock, TX

A Farmers Friendly Review is free and valuable

Farmers agents provide this free service just for you. Meet with your agent in person or connect online to review your coverage to keep up with your changing insurance needs.

As your life changes, so should your policy.

Changes in your life can add up to big changes in insurance needs. A change in marital status, the birth of a child or the purchase of a home are just a few examples of life events that may create overlaps or gaps in your coverage.

Improve your coverage and possibly save money

Just as you continue to change and grow, over the past 85 years Farmers keeps growing. A Farmers policyholder can be the first to enjoy new benefits before they become industry standards, like when we became the first major insurer to offer a discount for alternative-fuel vehicles. Considering your growth and ours, your Farmers agent will inform you of any discounts or credits for which you may now qualify.

How often should you have a free Farmers Friendly Review?

We recommend at least once a year, or whenever there is a change in your insurance needs. Receiving an annual reminder to meet with your agent in person is a good way to ensure a busy lifestyle doesn't prevent you from claiming new opportunities to save and update your coverage needs.

Get in touch with a Farmers agent. Robert Cardenas is your local Farmers agent in Round Rock, TX

Are you getting married?

Your wedding day is one of the most important days of your life. It's also the beginning of your life together as a couple. If you're getting married, taking the time to iron out your insurance coverage may provide you peace of mind long after the rice is thrown.

Follow this quick checklist to help take care of your important documents, including your insurance policies.

If you need further information, please do not hesitate to contact Robert Cardenas, your local Farmers insurance agent in Round Rock, TX

Wedding/Marriage Considerations

• Insurance Policies - If you have Life insurance*, be sure to update the information under beneficiaries. Consider consolidating all of your family's insurance policies - Home, Auto and Life* -- with Farmers®. This could help you qualify for discounts, making your premium payments that much more affordable.1


• IRAs, Annuities*, Pensions and Other Retirement Accounts - Verify your current beneficiary designation(s) and consult with your attorney, accountant or tax adviser for legal or tax advice and to understand the ramifications of a change. Start planning together for the future needs.


• Social Security Benefits and other government entitlements - Visit or call the local office to update death benefit beneficiaries and next of kin information. Check out your Social security benefits at http://www.ssa.gov/


• Business Relationships - If you have an interest in a family business or are in a partnership, review the partnership or shareholder's agreement. Find out what provisions have been made if you want to sell, if you cannot work, if you want to share your duties with your partner or if you die.


• Wills, Trusts and Power of Attorney - If this is your first marriage, you may not have a will, trust or power of attorney. If you're getting remarried, these documents may be outdated. If you're the beneficiary of your parent's will, life insurance policy or named on their deed, it's important to review who will inherit "in your place" should the unthinkable happen to you. If you want your new spouse to inherit in your place, let your parents and other benefactors know.