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.