Farm & Ranch Coverages

Agribusiness Policy Coverages

Standard Coverages
Coverage A - Farm Dwelling
• Farm Dwellings and structures attached to covered dwellings
• Trees, shrubs, plants and lawns within 250 feet of a covered dwelling for up to $2,000
• Optional Coverage:
* Replacement cost on dwelling (including ordinance and law option).
* Inflation guard for dwelling and structures.
Coverage B - Other Private Structures
* Unattached structures appurtenant to the dwelling, $250 on outdoor radio and TV antennas and satellite dishes.
Coverage C - Household Personal Property
• Furniture and household contents
• Standard limits for personal articles
• Increased "Special Limits of Insurance"
   * $400 for money or gold and $2,000 for grave markers
   * $3,000 for securities or letters of credit
   * $3,000 for watercraft, outboard engines, watercraft furnishings/trailers
   * $3,000 for furs, jewelry, previous stones and watches
   * $5,000 for "business property" on the insured location
   * $500 for "business property" off the insured location
   * $5,000 for silverware or gold ware, $5,000 for firearms
   * $500 for credit card and fun transfer card forgery and counterfeit money
   * $1,000 for household personal property away from the insured location
Coverage D - Additional Living Expense:
• Coverage for necessary increases in living expense if a covered cause of loss renders the home uninhabitable.
Coverage E - Scheduled Farm Personal Property:
• Farm machinery, irrigation equipment and livestock.
• Newly acquired farm machinery is automatically covered for $100,000 for 60 days.
• Replacement farm machinery is automatically covered for $100,000 for 60 days.
• Farm machinery damaged caused by contact between a tractor and an implement during towing, hitching or unhitching operations.
• Primary coverage for borrowed, rented or leased farm machinery.
• Theft of miscellaneous tools and equipment on or away from insured premises.
Coverage F - Blanket or Unscheduled Farm Personal Property:
• Farm machinery and livestock.
• .Unscheduled farm machinery and equipment at or away from insured location.
• Farm products in the open for certain causes of loss.
• Property in the custody of a common or contract carrier up to $1,000.
• Cost of restoring farm operations records up to $2,000.
Coverage G - Other Farm Structures:
• Farm buildings and structures other than dwellings.
• Newly constructed farm structures automatically covered for $250,000 for 60 days.
• Private power and light poles.
• Outdoor radio and TV equipment, antennas, and towers.
• Fences, corrals, pens, chutes and feed racks.
• Silos, portable buildings and portable structures.
• Improvements and betterments.
• Building material and supplies kept on or adjacent to the "insured location".
Additional Coverages at no extra cost:
• Pollutant cleanup and debris removal for $10,000 (can be increased).
• Fire Department service charge with no sub limit.
• Damage to property removed for safekeeping to avoid further damage by a covered cause of loss (for 30 days and up to $100,000).
• Removal of fallen trees near your residence up to $2,000.
• No deductible for cab glass in scheduled machinery and equipment.

Horse Owners Insurance
Equine Property Endorsement

• Up to $10,000 for damage or loss to tack and equipment.
• $1500 for spoilage of animal health products.
• $3,000 for replacement of signs.
• $3,000 for fences, corrals and pens.
Stable Liability - liability coverage for stable owners' operations.
Care, Custody and Control - covers livestock which are in insureds care, custody and control.
Equine Mortality - including accident, injury, sickness and disease.

Equine Insurance
Mortality Coverage - Min. Premium $250

Mortality - including accident, injury, sickness and disease.
Theft - included at no charge with Mortality coverage.
Agreed Value - Amends loss settlement to full amount the animal is insured for at the time of loss.
Surgical - Covers fees for specified surgical procedures.
Major Medical - Covers medical treatment for accident or illness.
Loss of Use - Covers 60% of insured value if animal become permanently incapable of fulfilling its intended use.
Barrenness - mare in foal coverage
Prospective Foal - covers the unborn foal
Infertility - should the stallion become unsuitable for breeding.
Transit - coverage for accidental injury while onboard or being loaded/unloaded from any aircraft or land transport vehicle in transit.