Mutual of Wausau
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Preferred Farmowner

Our Best Custom-Designed Insurance Protection for Your Residence, Contents, Farm Buildings, Farm Personal Property and Liability.

Preferred Farmowner

Included Coverage:


Dwelling – The dwelling you reside in.
Personal Property – Your personal belongings.
Replacement Coverage on Contents – Settles claims for your personal property on a replacement cost basis.
Additional Living Expense – Expenses you incur if you cannot live in your dwelling after a covered loss.
Liability and Medical Payments – Injury or damage you are liable for.
Refrigerated Foods – Refrigerated items that spoil due to loss of power.
Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.
Replacement Cost Dwelling – Settles claims for the dwelling at replacement cost up to the policy limit.
Contaminated Milk – Up to $4,000 coverage for your own milk that is contaminated.
Fire Legal Liability – Damage you are liable for while occupying or renting a non-owned structure.

Optional Coverage:


Backup of Sewers and Drains – Water damage that backs up through your sewer, drains, or sump pump.
Identity Fraud – Expense reimbursement for costs associated with identity fraud.
Inflation Guard – Automatically increases your dwelling limit to protect against increased building costs.
Inland Marine – Expanded coverage for your jewelry, guns, fine arts, etc.
Motorized Vehicles Used to Service the Premise – Increased coverage over the automatic limit on the policy for items such as motorized lawn and garden equipment that are not scheduled on your farm personal property.
Modified Replacement Cost on Dwelling – Replacement coverage on partial losses when the dwelling is insured for less than 80% of the replacement value.
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.

Optional Farm Coverage:


Additional Perils for Livestock – Losses to livestock by attack, accidental shooting or drowning.
Borrowed/Rented Machinery – Physical damage for borrowed, rented or leased farm machinery.
Cab Glass or Barn Glass – Breakage of cab glass on farm vehicles or window glass on barns.
Custom Farming Liability – Protection for the policyholder when performing custom farming work for others.
Emergency Hay Removal – Hay or other produce removal to prevent a fire from spontaneous combustion.
Equipment Breakdown – Coverage for your farm equipment. Click here for more information.
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 – 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.
Loss of Farm Income or Extra Expense – When normal farming operations are suspended due to a covered loss.
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.
Refrigerated Milk – Up to $1000 coverage for loss of milk in bulk tank due to a mechanical or electrical breakdown.
Replacement Cost Coverage Farm Personal Property – Settles claims for partial losses at replacement cost.
Outbuildings – Settles claims on outbuildings 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.
Specific Livestock Endorsement – Loss for the individual animal that exceeds value limitations in policy.
Trampoline Liability – For trampolines that include a safety net.
Weight of Ice, Snow, Sleet
– Loss to outbuildings due to collapse from the weight of ice, snow and sleet.

Available Discounts:


Mortgage Free – Property without a mortgage or lienholder.
Claim Free – Five years continuous claim-free coverage.