Country Home - Farm and Ranch Coverage
- Dwelling coverage pays if your house is damaged or destroyed by something your policy covers.
- Related Private Structures pays for unattached structures that are related to the residence, other than structures designed or used for farming or other business purposes. Coverage also applies to fences, driveways, sidewalks, and other permanently installed outdoor fixtures that are within 250 feet of the residence covered under Coverage.
- Personal property coverage pays if your furniture, clothing, and other things you own are stolen, damaged, or destroyed.
- Additional Living Costs and Loss of Rent pays your additional living expenses if you have to move while your house is being repaired to fix damages your policy covers. Additional living expenses include rent, food, and other costs you wouldn’t have if you were still in your home.
- Personal liability coverage pays on behalf of the insured for damages due to bodily injury or property damage caused by an occurrence that involves the insured premises and related operations or the insured's personal activities.
- Medical payments coverage pays medical expenses incurred by persons who are not insureds if bodily injury occurs in connection with the insured premises or the insured's personal activities.
- Farm Barns, Buildings, And Structures covers additional farm dwellings, barns, portable buildings and structures, other farm buildings and structures, and tenant's improvements in farm buildings for which a limit is shown on the declarations or a schedule. The limit shown on the declarations or schedule for each covered item includes attached sheds and fixtures. Silos are covered only when specifically listed on the declarations or schedule.
- Scheduled Farm Personal Property covers classes or items of farm personal property.
- Policy Term: 1 year
- Limits: Up to $500,000
- Wind Deductible: from 1% and up and All other Perils from $1000 and up
- Personal Liability: Up to $500,000
- Medical Payments: Up to $5000
- Replacement Cost on Personal Property: Up to 60% of Dwelling Coverage
- Residential Glass Coverage
- Scheduled Personal Property
- Identity Theft Coverage
- Service Line Coverage
- Equipment Breakdown coverage
- Water Backup and Sump Discharge Coverage
- Cyber Protection Insurance