Final answer:
Coverage for metal roof materials is usually included in the higher-tier home insurance packages, with the Premier package likely offering the most comprehensive coverage including marring to metal roofs.
Step-by-step explanation:
The Farmers Smart Plan Home packages are designed to provide different levels of coverage for homeowners. When it comes to coverage for metal roof materials, this is typically found in the higher-tier plans due to the added costs associated with replacing or repairing metal roofs. The Enhanced package often includes better coverage for structures than the Standard, but it is the Premier package that usually offers the most comprehensive coverage, which is likely to include specialized aspects such as marring coverage for metal roofs. However, it's important to review the specific details of each policy as coverages can vary by location and policy details.