Our farm property policies are custom tailored to meet the insurance needs of today's farm owner. The farm policy offers both flexibility and broad protection at a competitive price. Whether you operate your farm as an individual, partnership, or a corporation, we offer the necessary insurance protection.

Insurance coverage is available for all of your different types of farm structures and machinery. From the home you live in, including your contents and personal property, to your barns, other farm outbuildings, machinery, tools, livestock and crops. You can schedule insured property or you may choose "blanket" coverage. Other types of property such as jewelry, furs,antiques, and high-value collections can be insured as well. We offer a broad range of coverage choices, from the basic coverage of named perils protection to special perils protection.

Coverages and Optional Features for Personal Dwelling

• Additional living expense reimbursement
• Coverage for your residential garage
• Outdoor radio and television antennas and satellite dishes
• Materials for building or repairing dwellings or attached structures
• Automatic construction cost adjustment
• Extended replacement cost coverage to 125%
• Earthquake coverage

Coverages and Optional Features for Personal Property

• Insured for at least 50% of the dwelling amount
• Damage to contents of freezers caused by mechanical or electrical breakdown
• Protection for household personal property temporarily away from your premises for 30 days
• Credit card coverage for forgery
• Scheduled property coverage is available for jewelry, sports equipment, musical instruments, cameras and photo equipment and collectibles and fine art prints.

Coverages and Optional Features for Farm Personal Property

• Coverage for replacement machinery
• Coverage for newly acquired machinery
• Coverage for hay, straw or fodder in the open
• Coverage for borrowed farm machinery
• Extra expense coverage
• Collision with roadbed and ground on machinery
• Rental reimbursement
• Replacement cost coverage for scheduled farm machinery
• Spoilage coverage

Coverages and Optional Features for Farm Structures

• Private power and light poles coverage
• Equipment breakdown coverage
• New construction materials and supplies at an insured location
• Pollutant clean-up and removal on premises
• Replacement cost
• Broad and Special causes of loss
• Extra expense coverage
• Loss of income coverage

Property Perils

Basic causes of loss

• Fire and lightning
• Windstorm and hail
• Explosion
• Riot and civil commotion
• Vandalism
• Vehicles
• Smoke
• Theft
• Sinkhole collapse
• Collision (farm personal property only)
• Damage in the course of transit (farm personal property only)
• Volcanic action

Broad causes of loss (Basic causes of loss, plus the following)

• Earthquake loss to livestock
• Flood loss to livestock
• Electrocution of livestock
• Attacks on livestock by dogs and wild animals
• Accidental shooting of livestock
• Drowning of livestock from external sources
• Loading/unloading accidents
• Breakage of glass that is part of a building or structure
• Falling objects
• Collapse
• Weight of ice, snow and sleet
• Sudden and accidental tearing apart of heating, air conditioning and water system
• Accidental discharge and leakage of water system
• Freezing of plumbing, heating, air conditioning and automatic fire protection system and household appliance
• Bursting of heating and water systems
• Sudden and accidental damage from artificially generated electrical current (dwelling and household personal property only)
• Collision causing death of livestock

Special causes of loss

• Coverage against risks of direct physical loss to eligible property. This coverage is sometimes termed "all-risk" coverage, but there are specific exclusions which may apply.

Our farm policy providers are some of the most respected companies in our business, and each offers unique coverages and benefits. Contact us at 800-627-2241 for a complete farm insurance coverage analysis.