• Farm House
• Farm Land
• Barns
• Stables
• Pens and Sheds
• Confinement Buildings
• Other Buildings

Understanding Farm Dwelling Insurance

A large part of the protection provided by your farm or ranch policy is for the home in which you and your family live.  Your farm or ranch policy provides coverage for the same sorts of concerns your friends in town insure on their homeowner policies. It covers:

• The house itself (the structure)
• Its contents (furniture, appliances, personal property)
• Detached and attached garages, gazebos, swimming pools
• Liabilities from injuries to house guests

Coverage on certain household contents usually have value limits as specified in the policy. For example, in many policies, coverage for theft of firearms is limited to $2,500; coverage for theft of silverware is limited to $5,000. You may want to review these “sub-limits” with your agent. If you have items (antiques, collectibles) with higher values, your agent can provide coverage for scheduled (listed separately on the policy with separate values) personal property.

Also talk to your agent about:

• Insuring your farm or ranch home for Replacement Cost or Actual Cash Value.
• The Causes of Loss (Basic, Broad or Special) you want to insure for.
• How much deductible should you carry? Higher deductibles may lower premiums. Depending on how much of a loss you are willing to pay yourself, you may be able to save on your insurance.
• Is the building valuation current? Our AgriChoice^® policy provides an Automatic Construction Cost feature that automatically adjusts values to current building costs in your area.

AgriChoice automatically provides some extensions of coverage for:

• Trees, Shrubs, Plants and Lawns
• Removal of Fallen Trees
• Refrigerated Products
• Debris Removal
• Fire Department Service Charge
• Credit Card Fraud and Forgery

AgriChoice also provides optional coverages that can be selected to customize to your needs.

You may want to consider:

• Coverage for sewer and sump pump backup
• Coverage for earthquake damage
• Coverage for identity theft expenses

^{Products and discounts not available to all persons in all states. Products are subject to deductibles, exclusions, and conditions.}