Farmowners

The Farm Program’s custom fit is the solution to your insurance needs, whether you are running a large-scale operation or just need farm insurance coverage for a hobby.

Standard Features

Property:

  • Dwelling, household personal property, and additional living expense
  • Farm personal property
  • Barns, buildings, and other farm structures

Liability:

  • Bodily injury and property damage liability
  • Medical payments
  • Personal injury or advertising liability
  • Limited farm pollution Liability

Extra Coverages:

  • Ordinance or law
  • Value guard (inflation guard) automatically increase value of certain structures annually
  • Borrowed farm machinery-up to 25,000 when personal property is insured
  • Livestock
  • Private power and light poles
  • TV antennas, towers, and satellites dishes at your primary location

Additional Coverage available

Property:

  • Expanded replacement cost for dwelling
  • Coverage for special causes of loss on household property
  • Backup of sewers, sump pumps, and drains
  • Borrowed farm machinery-additional limits
  • Coverage for farm personal property during peak season
  • Reproductive materials coverage
  • Spoilage coverage
  • Suffocation of poultry and livestock
  • Replacement coverage on barns, outbuildings, and confinement structures
  • Farm earnings and extra expense
  • Earthquake
  • Expanded property coverage endorsement
  • Recreational vehicles
  • Scheduled and unscheduled farm personal property

Liability:

  • Business activities
  • Equine care, custody, and control
  • Equine operations
  • Recreational vehicles
  • Employers liability (where applicable)

Contact Us now for more information or call 423-926-7151.