Insuring Farms

**The farm owner’s house, farm structures, produce, machinery and livestock**

Coverage may be provided on the farm house and farm structures, provided...

The owner of the farm lives in the farm home

The farm home is a 1 or 2-family house, doublewide, or singlewide manufactured home(if singlewide is less than twenty (20) years old)

House coverage

Personal Liability coverage is included

Replacement Cost Coverage available

New Home credit if less than 30 years old

Renovation credit modified in 2008 - may be applied separately.
**2008** - Credit Availible: Electrical 5%, Heat 5%, Plumbing 5% if within 30 yrs & Roof 5% if within 10 yrs.

Credits for non-smoker, fire extinguisher, and dead-bolt locks are available

Thermostat-controlled central heat – supplementary heating allowed

Central Station fire/smoke and burglary alarm credit available

Inland Marine coverages can be added

**2008** - Hard Wired/Installed Generators are availible for credit. Portable Generators are not eligible.

Insuring Farms

**The farm owner’s house, farm structures, produce, machinery and livestock**

Coverage may be provided on the farm house and farm structures, provided...

The owner of the farm lives in the farm home
The farm home is a 1 or 2-family house, doublewide, or singlewide manufactured home(if singlewide is less than twenty (20) years old)

House coverage

Personal Liability coverage is included
Replacement Cost Coverage available
New Home credit if less than 30 years old
Renovation credit modified in 2008 - may be applied separately.
**2008** - Credit Availible: Electrical 5%, Heat 5%, Plumbing 5% if within 30 yrs & Roof 5% if within 10 yrs.
Credits for non-smoker, fire extinguisher, and dead-bolt locks are available
Thermostat-controlled central heat – supplementary heating allowed
Central Station fire/smoke and burglary alarm credit available
Inland Marine coverages can be added
**2008** - Hard Wired/Installed Generators are availible for credit. Portable Generators are not eligible.

Farm Structures

Barns, silos, machinery buildings, etc. can be insured for basic perils
A Separate Deductible can be applied to each structure insured

Produce coverage

Blanket coverage for basic perils is available
Seasonal Variation can be applied
Separate deductible can be applied to Produce

Livestock

Inland Marine Named perils coverage is typically used
Optional perils are available
Blanket or Specified coverage is available
Separate Deductible can be applied

**Does not provide Animal Mortality coverage**

Machinery

Inland Marine Special Form perils coverage typically used
Blanket or Specified coverage is available
Separate Deductible can be applied

Farm Liability Coverage

Farmers Liability Coverage
Coverage available for Roadside Stands
Road-side Stands coverage and other incidental Business Pursuits coverage are available

Additional Farm Dwellings

1-4 family occupied farm dwellings of the farm owner may be added.

Additional Insureds

Additional insureds with an ownership interest in the farm may be added

Additional Farm Premises

Liability may be extended to additional farm premises owned or rented by the farm owner.

Insuring Houses
Insuring Farms
Insuring Artisan Contractors
Insuring Businesses
Insuring Churches
Mobile Home Parks
Insuring Restaurants
Insuring Motels