Regardless of your size, these coverages can be tailored to fit the specific needs of your farm to cover your farm personal property and farm buildings and structures. Scheduled Farm Property coverage provides protection against specified perils for the farm personal property that you specifically name. Unscheduled Farm Personal Property coverage provides specified perils coverage for the farm personal property that you use in your farming operations. Farm Buildings and Structures coverage provides specified perils coverage for farm buildings and structures you specifically describe. For an additional premium, coverage for your farm machinery, farm buildings and structures. This coverage may provide for additional losses such as partial or total collapse of farm buildings.
Specified perils include:
Full Replacement Coverage Policy - You will be protected against the following Dwelling & Personal Property
- Riot & Civil Commotion
- Glass Breakage (No Deductible Applies)
- Falling Objects
- Sudden and Accidental Water Discharge / Sewer & Water Backup (including foundation due to sudden water damage)
Additional perils for livestock
- Attack of livestock by wild animals
- Accidental drowning of livestock
- Accidental shooting of livestock
- Accidental electrocution of livestock
Farm Liability Coverage provides payment for your legal liability up to the limits in the policy for damages because of bodily injury or property damage caused by an occurrence to which this insurance applies. Medical Payments to Others. This coverage provides medical expenses up to the limits in the policy for people who are on your premises with your permission and are accidentally injured. Coverage also extends to people accidentally injured by your activities. However, this coverage does not extend to you, your family or employees. This information contains only a general description of coverages and is not a contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.