Coverages

The Farm-Mate® policy protects you from financial disaster by covering:

• Dwelling
• Household Personal Property
• Additional Living Expense/Loss of Rents
• Farm Service Buildings
• Scheduled Farm Personal Property
• Unscheduled Farm Personal Property (Blanket)

Covered Causes Of Loss

Property

• Fire
• Lightning
• Windstorm
• Hail
• Explosion
• Riot or Civil Commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism
• Malicious Mischief
• Theft
• Accidental Overturn or Collision of Farm Implements

Livestock – Additional Perils

• Death by Electrocution
• Attack by Wild Dogs, Animals
• Accidental Drowning
• Accidental Shooting
• Injury From Loading or Unloading
• Collapse of Bridges or Culverts
• Collision or Overturn of Farm Implements

Additional Coverages

• Debris Removal
• Emergency Removal of Property
• Necessary Repairs After a Loss
• Construction of New Buildings
• Outside Satellite Dish Systems and Radio/Television Equipment
• Farm Implements Coverage Due to Building Collapse
• Unharvested Farm Produce or Grain

Optional Coverages

• Comprehensive Machinery Coverage
• Dwelling Replacement Cost
• Equipment Breakdown Coverage
• Farm Extra Expense
• Farm/Household Operations Records
• Fire Department Charges
• Glass Breakage – Farm Machinery
• Household Personal Property Replacement Cost
• Leased or Rented Farm Buildings
• Loss of Farm Earnings
• Open Perils Coverage For Dwelling
• Peak Season
• Pollution Clean Up and Removal
• Suffocation of Livestock
• Water Backup of Sewer and Drains
• Service Lines Coverage
• Combine Rock Coverage