Combines elements of both homeowners and commercial insurance. Farmers’ businesses and homes are often at the same location. Covers both their personal and business exposures to loss.

The Farm Policy now comes in three different sections, Farm Property Residential, Farm Business Property, and Farm Liability.

-Coverage H Farm Liability Coverage, Bodily Injury & Property Damage Liability coverage is provided for the sums that the insured becomes legally obligated to pay (up to the policy limit) as damages because of bodily injury or property damage to which the insurance applies.

Farm property coverage form

Coverage A – Dwellings

• Coverage B – Other private structures. Non-farm buildings within 250 feet of dwelling

Coverage C – Household personal property

• Coverage D – Loss of use. No farm business interruption coverage

Coverage E – Scheduled farm personal property. Livestock, Poultry, grain, hay, and farm machinery

Coverage F – Unscheduled farm personal property

Coverage G – Other farm structures. Barns, silos, fences, and radio equipment

** No coverage for growing crops

Mobile agriculture machinery and equipment coverage form

Livestock coverage form

Definitions

Causes of loss (Basic, broad and special)

Conditions

Exclusions

Limits

Additional coverages