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**
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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**
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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.
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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
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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.
