Farmowner

Custom Designed Insurance for Your Farm

Our Farmowner Program provides coverage for your Owner or Tenant occupied farm including your dwelling, personal property, and additional living expenses. Optional coverages include, but not limited to, personal and farm liability, medical payments coverage, a range of deductible options, Farm Building, Farm Personal Property, Well Pump coverage, Equipment Intake coverage, Added Animal Perils coverage, and Peak Season Inventory coverage.

Coverage & Benefits

Residence – Comprehensive coverage for your home.
Personal Property – Protection for your personal belongings.
Liability/ Medical Payments – Provides defense and coverage for injury or damage in which you are liable.
Additional Living Costs and Loss of Rent – Expenses you incur if you cannot live in your home after a covered loss.
Equipment Breakdown – Protection for household and farm equipment due to equipment failure.
Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.
Fire Legal Liability – Damage you are liable for while occupying or renting a non-owned structure.
Glass Breakage – Breakage of cab glass on farm vehicles or window glass on barns up to $500. Option to purchase additional coverage.
Outdoor Signs – $500 coverage is included.
Pollution Liability – Up to $50,000 coverage for limited pollution liability. Option to purchase additional coverage.
Refrigerated Foods Spoilage – Refrigerated items that spoil due to loss of power.
Replacement Cost Dwelling – Claim settlement for the dwelling at replacement cost up to the policy limit.

Added Animal Perils – Losses to livestock by attack, accidental shooting or drowning.
Contaminated Milk – Coverage up to $4,000 for your own milk that is contaminated.
Custom Farming Liability – Protection for the policyholder when performing custom farming work for others.
Emergency Produce Removal – Hay or other produce removal to prevent a fire from spontaneous combustion.
Equipment Intake of Foreign Objects – Loss to harvesting equipment due to intake of foreign objects.
Falling Objects – Building and farm personal property damaged by collapse of another building.
Farm Employee Liability – Coverage for farm employees while performing farming operation duties.
Feed Spoilage – Feed that is in the open (silo bags) which spoils due to hail damage to the silo bag.
Identity Fraud – Expense reimbursement for costs associated with identity fraud.
Inflation Guard – Automatically increases your residence limit to protect against increased building costs.
Inland Marine – Expanded coverage for your jewelry, guns, fine arts, etc.
Loss of Farm Income or Extra Expense – When normal farming operations are suspended due to a covered loss.
Modified Replacement Cost Terms – Replacement coverage for partial losses when the dwelling is insured for less than 80% of the replacement value.
Ordinance or Law – Covers increased building costs due to changes in an ordinance or law.
Peak Season – Crops or livestock that see an increase for a specific monthly period.
Personal Injury – If you are sued for libel, false arrest or slander.
Recreational Vehicles – Property and liability coverage available for acceptable boats, ATVs and snowmobiles.
Refrigerated Milk – Up to $1000 coverage for loss of milk in bulk tank due to a mechanical or electrical breakdown.
Rented or Borrowed Equipment – Physical damage for borrowed, rented or leased farm machinery.
Replacement Cost Coverage Farm Personal Property – Claim settlement for partial losses at replacement cost.
Replacement Coverage for Farm Barns, Buildings and Structures – Claim settlement for barns, buildings and structures on a replacement cost basis.
Replacement Value – Claim settlement for your personal property on a replacement cost basis.
Scheduled or Blanket Farm Personal Property – Farm machinery and livestock.
Scheduled Farm Building – Outbuildings on the farm premise.
Silo Collapse or Silo Unloader Collision – Collapse coverage for the silo or damage to the scheduled silo unloader caused by collision with the ground.
Trampoline Liability – For trampolines that include a safety net.
Water Back Up and Sump Discharge or Overflow
 – Water damage that backs up through your sewer, drains, or sump pump.
Weight of Ice, Snow, or Sleet – Loss to outbuildings due to collapse from the weight of ice, snow or sleet.

Mortgage Free – Property without a mortgage or lienholder.
New Home – Under 20 years of age.

Additional Products

Preferred Farmowner

Coverage for the newer and above-average farm including coverage for your residence, Contents, Farm Outbuildings, Farm Personal Property, and Liability.

Inland Marine

Additional coverage for select items to be insured outside of the basic property.

Umbrella

Extra liability protection in addition to your homeowners, automobile, and other personal liability policies. Includes coverage for defense expenses for a liability claim that may or may not result in legal action.