when it comes to home insurance, surprises can be a little scary. and a little costly. that's why the best agents present their clients with a lot of options. because when it comes to what's covered and what's not, nobody likes surprises. [ click ] [ chuckles ] we totally thought -- [ all scream ] obscure space junk falling from the sky? we cover that. moving on. aah, aah, aah, aah. [ male announcer ] we are insurance. ♪ we are farmers ♪ bum, ba-da-bum, bum, bum, bum ♪