This is a package type policy, designed specifically for a farm operation and includes the coverage that a farmer might need for most farm insurance risks. This policy provides coverage for both property losses and liability losses. There are various standard coverages included to insure a dwelling, other structures, personal property, and the increased cost to live somewhere else while your home is being repaired. Coverage is available to insure farm personal property and farm structures. Liability coverage is provided for your personal needs and for the farm operation.
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.