* Dwelling

• Dwellings and structures attached to covered dwellings

• Trees, shrubs, plants and lawns within 250 feet of a covered dwelling

• Optional coverages: Replacement cost on dwelling (including ordinance and law option)

 

* Other Private Structures

       Unattached garages and structures appurtenant to the dwelling, $250 on outdoor radio and TV Antennas and satellite dishes

 

* Household Personal Property

       Standard limits for personal articles

• Furniture and household contents

• Increased special limits of insurance

 

* Additional Living Expense

• Coverage for necessary increases in living expense if a coverage cause of loss renders your home uninhabitable

 

* Scheduled Farm Personal Property

• Farm machinery, irrigation equipment and livestock

• Newly acquired farm machinery is automatically covered

• Replacement farm machinery is automatically covered

• Farm machinery damaged by contact with roadbed or ground

• Farm machinery damage 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 or away from insured premises

 

* Unscheduled Farm Personal Property

• Farm machinery and livestock

• Unscheduled farm machinery and equipment on 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

• Cost of restoring farm operations records

 

* Other Farm Structures

• Buildings, barns, stables and structures other than dwellings

• Fences, corrals, and pens

• Newly constructed structures automatically covered

• Private power and light poles

• Outdoor radio and TV equipment, antennas and towers

• Portable buildings and portable structures

• Improvements and betterments

• Building material and supplies kept on or adjacent to the insured location

 

* Liability Coverages

• Basic and comprehensive liability coverage for bodily injury and property damage to others

• Liability for personal and advertising injury

• Product liability

• Fire legal liability

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* Additional Coverages at No Extra Cost

• Pollutant cleanup and debris removal for $10,000 (can be increased)

• Fire department service charge with no sublimit

• Removal of fallen trees near your residence

• Damage to property removed for safekeeping (for 30 days and up to $100,000)

• No deductible for cab glass in scheduled machinery and equipment

 

------ Optional Coverages ------

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* Equine Property Endorsement

• Up to $10,000 for damage or loss to tack and equipment

• $1,500 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 your care, custody and control

 

* Dairy Endorsement

• Spoilage coverage for owned milk

• Contamination of non-owned milk

• Contamination of owned milk

• Hay, straw and fodder coverage • Livestock collision coverage

• Livestock theft coverage • Additional extra expense coverage

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* Other Optional Coverages and Endorsements

• High Value Dwelling Coverage – provides comprehensive coverages to address the needs of homes valued over $1,000,000

• Disruption of operations

• Higher limits for transportation coverage

• Equipment Breakdown/Boiler Machinery Coverage

• Collision resulting in death of livestockBeekeepers endorsement

• Extra expense you incur to resume normal operations interrupted after a covered cause of loss

• Enhanced pollutant cleanup endorsement (increased limits ranging from $25,000 to $100,000) coverage applies on or away from the insured premises if the discharge is caused by collision, upset or overturn of a vehicle or its trailer

• Watercraft hull coverage

• Sump overflow and water backup from sewers and drains

• Computer coverage endorsement

• Identity Fraud Expense coverage