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
Causes of loss (Basic, broad and special)