Premier Insurance For Your Farm
Our Preferred Farmowner Program provides coverage for your owner-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.
Replacement Value – Claim settlement for your personal property on a replacement cost basis.
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.
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.
Coverage for the newer and above-average farm including coverage for your residence, Contents, Farm Outbuildings, Farm Personal Property, and Liability.