Farm and Ranch Insurance
Dwelling Insurance
Covers the house and attached structures in the case of accidental direct physical loss except those losses excluded by the policy. Includes built-in or attached items such as built-in appliances or wall-to-wall carpet.
Other Structures
Covers other buildings or structures on the property that are separated by clear space from the house. Detached garages and gazebos fall into this category. Covers for accidental direct physical loss to the structure except as excluded or limited by the policy.
Contents
Covers your personal property such as furniture and clothing (items that are not attached to or built into the home). Covers these items for loss due to fire, smoke, wind, theft and other causes as described by your policy.
Farm Property
Covers your farm property, machinery, buildings and structures. Protects these items for loss due to fire, lightening, wind, hail, theft, vandalism, vehicles and other causes as described by your policy.
Livestock
Covers livestock in the case of loss due to an accident including shooting, drowning, electrocution or attack by wild animals or dogs.
Crops
Covers crops from certain losses, such as hail damage, as defined by your policy.
Replacement Cost on Dwelling
Can pay up to an additional 20% of the Dwelling Coverage limit if the home is a total loss and additional money is needed to replace the home.
Extended Replacement Cost of Contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.
Farm Liability
Covers damage or injury to other people or their property for which you are held liable except as limited or excluded by your policy.
Medical Payments
Pays for medical or funeral expenses of other people who are injured on your property. Also covers some injuries to others which may occur off of your property, such as your dog biting someone. Coverage typically does not include you, your family or employees.
Loss of Use
Pays for reasonable living expenses while your home is being repaired if you are not able to reside in your insured home due to a covered loss.
Hail of Insurance
Covers damage and losses due to hail storms.
Chemical Drift Liability
Covers damage or injury to other people or their property for which you are held liable because of legal chemicals that are in use on your property.
Damage to Property of Others
Covers damage to other people's property for which you are responsible, such as damage caused by your livestock.
Limited Pollution Liability
Covers damage for which you are held liable because of pollution that is produced by your farm/ranch daily activities. Coverage is limited as defined by the terms of your policy.
Scheduled Farm Property
Provides additional coverage for farm personal property of higher values that you specifically name.
Unscheduled Farm Property
Provides coverage (as defined by your policy) for farm personal property that is used in your farming operations.
Lock Replacement
Up to $100 if your house keys are stolen. Covers to replace or re-key your home locks.
Refrigerated Property
Up to $500 to cover damage to contents in refrigerator or freezer due to power interruption.
Inland Marine
Protects personal property, such as machinery and equipment, that is mobile.
Freezing
Covers damage to dwelling caused by freezing. Typically does not apply if the home is vacant.
Available Farm and Ranch Discounts:
Age of Construction
Up to 30% discount based upon the age of the dwelling.
Age of Insured
Up to 15% discount if insured owner is at least 60 years old.
Claims Free
Up to 20% discount when you are claims free.
Deadbolt Locks
Discounts are available when the home is equipped with functioning and current fire extinguishers.
Home and Car
Up to 20% reduction if you insure both your home and your car(s) with us.
Local Ultrasonic Burglary Alarm
Discounts are available if your home is equipped with a motion detection alarm that notifies police in the event of detected movement in a room where the alarm is set.
Monitored Alarms
Up to 15% reduction if the home is equipped with monitored burglary and / or fire alarms.
Noncombustible Roof
Discounts available if your roof is made of qualifying noncombustible materials.
Personal Status
5% discount if insured is married or widowed.
Sprinkler System
Discounts available if home is equipped with automatic sprinkler system in case of fire.
Smoke Detectors
Discounts available if the home is equipped with functioning smoke detectors. Remember to include one in each bedroom, family room and kitchen at minimum. And always remember to change the batteries at least twice a year in battery-operated detectors!
