Optional coverage is available to insure the liability for farm employees. This policy provides replacement cost coverage for your home and other structures. This means that we will pay to replace these structures if they are destroyed by any of the perils covered in the policy. Any personal property, either household or farm items, are normally covered for actual cash value. An optional endorsement is available to purchase replacement cost coverage for household personal property.
All coverages are subject to the exclusions, deductibles and conditions in the policy.
There are certain causes of loss to property that are excluded and you should review the policy for a complete analysis.