Farmers Mutual Insurance Company  Farmers Mutual Insurance Company
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Our Farm Protection Policy

A Farmers Mutual Farmowners policy combines all the important coverages you'll need in one convenient package. This means:

  • Convenience - One independent agent; one policy; one premium
  • Flexibility - Tailor your coverage package for your individual needs
  • Savings & Security - Buy the protection you need and avoid paying for coverages you don't need

Farm Dwelling Coverage

  • Your choice of levels of coverage for your farm dwelling:
    • Basic form (Standard form policy with optional liability endorsement)
    • Broad form
    • Renter's form (Can be added to base policy)
  • Coverage for outdoor antennas**
  • Coverage for private power and light poles**
  • Coverage for spoilage of refrigerated food**
  • Coverage for "farm implements" used to service the insured premises (e.g. lawn mowers)**
  • Coverage for well pumps**
Many optional coverages available to tailor protection to your needs

Farm Property Coverage
Up-to-date coverage for your farm property as specified in the policy from, including:

  • Coverage for glass breakage in cabs ($50 deductible)**
  • Coverage for farm operations records**
  • Coverage for rented or borrowed farm equipment**
Many optional coverages available to tailor protection to your needs

Farm Liability Coverage

  • Comprehensive Farm Machinery Coverage (Blanket or Scheduled)
  • Farm Extra Coverage
  • Equipment Breakdown Coverage
  • Public Liability
  • Physical Damage to Property of Others
  • Medical Payments to Public
  • Identity theft expense coverage
  • Employers� Liability
  • Medical Payments to Farm Employees
  • Protection from losses arising from business pursuits when receipts total less than $2,000
  • Property damage protection for accidental spray drifts of farm chemicals when applied by any means other than aircraft.
  • Contractual liability relating to the farming operations, goods or products, or residence premises.
  • Pollution coverage for losses caused by specified perils.
Many optional coverages available to tailor protection to your needs

Optional Coverages Available

  • Farm Extender Endorsement - includes debris removal, replacement cost coverage for well pumps, and more
  • Earthquake coverage - Available for dwelling and/ or farm property. One low rate for coverage on dwellings, regardless of location or construction
  • Replacement Cost Coverage - Available for household personal property
  • Back-up of sewer and drains
  • Computers (hardware and software)
  • Scheduled personal property coverage - Available for jewelry, furs, silverware, fine arts, etc.
  • Property in transit**
  • Suffocation of livestock
  • Custom farming coverage
  • Custom feeding limited liability coverage
  • Contract grower limited liability coverage
  • Dwellings rented to others (Can be added to base policy)
  • Coverage for pollutant clean-up on insured premises**
  • Off-premises coverage for recreational vehicles
Ask your agent about other endorsements available

Deductible Options Available

  • Deductibles - Receive significant savings when you raise your deductible

NOTE: This site is not an insurance policy. The information it contains is in general terms. For a complete statement of coverages and exclusion, see the policy contract.

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