COVERAGE A
Dwelling
- Dwellings and attached structures
- Trees, shrubs, plants, and lawns within 500′ of a covered dwelling
- Materials on the insured location intended for the use in building, altering, or repairing a covered dwelling
- Extended replacement cost on covered dwelling available by endorsement
COVERAGE B
Other Private Structures Appurtenant to Dwellings
- Unattached structures appurtenant to the dwelling not used for farming purposes
- Outdoor radio and TV antennas/satellite dishes attached to dwelling with a $1,500
- limit- may be increased
COVERAGE C
Household Personal Property
- Covered anywhere in the world
- Special limitations apply -limits may be increased
COVERAGE D
Loss of Use
- Coverage for the necessary increase in living expenses if a covered cause of loss renders your home uninhabitable
- Fair rental value if a covered cause of loss renders a covered rental dwelling uninhabitable
- Loss and expense due to emergency prohibition against occupancy
COVERAGE E
Scheduled Farm Personal Property
- This coverage allows you to choose those items you want specifically insured. A specific amount of insurance and selected coverage form is assigned to each item to be insured.
- Additional machinery, vehicles, and equipment newly purchased are automatically covered up to $25,000 for 30 days
- Replacement machinery, vehicles, and equipment newly purchased are automatically covered up to $25,000 for 30 days
- Coverage for additionally acquired livestock during policy term—limitations apply
- Property in the custody of common or contract carrier is covered for $2,000—limit may be increased
- Livestock and specifically insured farm machinery (and equipment) covered on or away from the farm premises
- Hay, straw, and fodder in stacks with a 100′ clear space between stacks
COVERAGE F
Unscheduled (Blanket) Farm Personal Property
- This coverage allows you to insure, on a blanket basis, a total value taken from a detailed inventory of your farm personal property. A coinsurance clause applies and the amount of insurance must be no less than 80% of the total inventory.
- Farm personal property covered at or away from the insured location
- Livestock limit:
- $1,000 for any horse, mule, or head of cattle under one year of age at the time of loss
- $2,500 for any head of livestock not included in the above
- Farm products in the open are covered for 10% of the farm personal property limit shown in the declarations for fire, lightning, windstorm, hail, vandalism, vehicle, and thefts
- Grain in piles, shocks, stacks, and swaths
- Fire and lightning coverage only for unharvested barley, corn, oats, rye, wheat, and other grains, flax soybeans, and sunflowers
COVERAGE G
Barns, Outbuildings, and Other Farm Structures
- Coverage for farm buildings and structures other than dwellings
- Newly constructed farm buildings are automatically covered for $25,000 for 60 days from the first date of delivery
- Private power and light poles covered automatically up to $1,500 Basic
Additional Coverages
- Farm extra expense—up to $1,500
COVERAGES H&I
Liability Coverages
Our policy can be tailored to provide the protection you need resulting from injury or property damage covered by this policy.
Coverage H
- Farm Comprehensive Personal Liability (FCPL) and/or Commercial General Liability (CGL)
- Premises/Operations Liability
- Products Liability
- Care, Custody, and Control
Coverage I
- Medical Payment for $1,000
Recreational Vehicles
- Watercraft
- Snowmobiles
- Four-wheelers
- Golf Carts