Coverage Offered

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  • Dwellings and attached structures
  • Trees, shrubs, plants, and lawns within 500′ of a covered dwelling
  • Materials on the insured location intended for the use in building, altering, or repairing a covered dwelling
  • Extended replacement cost on covered dwelling available by endorsement


Other Private Structures Appurtenant to Dwellings

  • Unattached structures appurtenant to the dwelling not used for farming purposes
  • Outdoor radio and TV antennas/satellite dishes attached to dwelling with a $1,500
  • limit- may be increased


Household Personal Property

  • Covered anywhere in the world
  • Special limitations apply -limits may be increased


Loss of Use

  • Coverage for the necessary increase in living expenses if a covered cause of loss renders your home uninhabitable
  • Fair rental value if a covered cause of loss renders a covered rental dwelling uninhabitable
  • Loss and expense due to emergency prohibition against occupancy


Scheduled Farm Personal Property

  • This coverage allows you to choose those items you want specifically insured. A specific amount of insurance and selected coverage form is assigned to each item to be insured.
    • Additional machinery, vehicles, and equipment newly purchased are automatically covered up to $25,000 for 30 days
    • Replacement machinery, vehicles, and equipment newly purchased are automatically covered up to $25,000 for 30 days
    • Coverage for additionally acquired livestock during policy term—limitations apply
    • Property in the custody of common or contract carrier is covered for $2,000—limit may be increased
    • Livestock and specifically insured farm machinery (and equipment) covered on or away from the farm premises
    • Hay, straw, and fodder in stacks with a 100′ clear space between stacks


Unscheduled (Blanket) Farm Personal Property

  • This coverage allows you to insure, on a blanket basis, a total value taken from a detailed inventory of your farm personal property. A coinsurance clause applies and the amount of insurance must be no less than 80% of the total inventory.
  • Farm personal property covered at or away from the insured location
  • Livestock limit:
    • $1,000 for any horse, mule, or head of cattle under one year of age at the time of loss
    • $2,500 for any head of livestock not included in the above
  • Farm products in the open are covered for 10% of the farm personal property limit shown in the declarations for fire, lightning, windstorm, hail, vandalism, vehicle, and thefts
    • Grain in piles, shocks, stacks, and swaths
    • Fire and lightning coverage only for unharvested barley, corn, oats, rye, wheat, and other grains, flax soybeans, and sunflowers


Barns, Outbuildings, and Other Farm Structures

  • Coverage for farm buildings and structures other than dwellings
  • Newly constructed farm buildings are automatically covered for $25,000 for 60 days from the first date of delivery
  • Private power and light poles covered automatically up to $1,500 Basic

Additional Coverages

  • Farm extra expense—up to $1,500

Liability Coverages

Our policy can be tailored to provide the protection you need resulting from injury or property damage covered by this policy.

Coverage H

  • Farm Comprehensive Personal Liability (FCPL) and/or Commercial General Liability (CGL)
  • Premises/Operations Liability
  • Products Liability
  • Care, Custody, and Control

Coverage I

  • Medical Payment for $1,000

Recreational Vehicles

  • Watercraft
  • Snowmobiles
  • Four-wheelers
  • Golf Carts