Home and Personal Property Coverage

The Farm/Ranch policy provides coverage for your home and personal property.

Loss of Use Coverage

Loss of Use Coverage provides payment for certain losses when your home is damaged and rendered uninhabitable because of an insured loss.

Farm Property

Regardless of your size, these coverages can be tailored to fit the specific needs of your farm to cover your farm personal property, farm buildings and structures.

Scheduled Farm Property Coverage

Scheduled Farm Property Coverage provides protection against specified perils for the farm personal property that you specifically name.

Unscheduled Farm and Personal Property Coverage

Unscheduled Farm and Personal Property Coverage provides specified perils coverage for the farm personal property that you use in your farming operations.

Farm Buildings and Structures Coverage

This type of coverage provides specified perils coverage for farm buildings and structures you specifically describe.

For an additional premium, coverage for your farm machinery, farm buildings and structures can include accidental direct physical losses. 

Specified perils include:

  • Fire or lightning
  • Windstorm or hail
  • Theft
  • Smoke
  • Vandalism or malicious mischief
  • Collision
  • Explosion
  • Vehicles
  • Aircraft
  • Riot or civil commotion

Additional perils for livestock:

  • Attack on livestock by wild animals or dogs 
  • Accidental drowning of livestock
  • Accidental shooting of livestock
  • Accidental electrocution of livestock

Farm Liability Coverage

Farm Liability Coverage provides payment for your legal liability up to the limits in the policy for damages because of bodily injury or property damage caused by an occurrence to which this insurance applies.

Medical Payments to Others.

This coverage provides medical expenses up to the limits in the policy for people who are on your premises with your permission and are accidentally injured. Coverage also extends to people accidentally injured by your activities. However, this coverage does not extend to you, your family or employees.

Additional Coverage:

  • Personal Liability
  • Chemical Drift Liability
  • Damage to Property of Others
  • Theft
  • Claims Expenses

Optional Coverage:

  • Business Pursuits Liability
  • Incidental Business Activities
  • Custom Farming
  • Custom Feeding
  • Limited Pollution Liability

Also Available:

  • Crop-Hail
  • Multi-Peril Crop

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