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Farmowners Policy
Our flexible financial protection program for today's diversified farming operations.
Flexible Coverage
Today's farms and ranches are considerably different from their counterparts of only a few years ago. Just as your
operations have changed, so have your insurance needs. That's why our National Farmers Union Property and Casualty Companies have developed a special Farmowners policy which enables you to select those coverages
which match your current needs.
Farmowners Policy-Coverages
Your Dwelling
Flexible coverage for farm and ranch homes is available. We offer you: The choice of replacement cost or actual cash value loss settlement and the following covered peril options:
#1 Basic
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Fire/Lightning
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Windstorm/Hail
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Explosion
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Riot/Civil Commotion
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Damage by Aircraft or Vehicles.
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Smoke
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Vandalism
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Theft
#2 Broad
All of #1 Basic plus
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Falling objects
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Weight of ice, snow or sleet
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Collapse
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Accidental tearing apart
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Accidental discharge
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Freezing
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Electrical damage
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Breakage of glass
#3 Risks or Direct Loss
All of #1 Basic plus and #2 Broad plus
other direct losses, except those specifically excluded in the policy.
Your Unscheduled Household Personal Property
If you choose the #1 Basic covered perils for your dwelling, you receive household personal property coverage for those same perils for which your dwelling is covered. If you choose the #2 Broad of the #3 Risks of Direct Loss option for your dwelling, you receive household personal property coverage for those same perils as the #2 Broad perils. We also have an option for direct physical loss.
Your Household Personal Property Coverage Includes the Following Amounts on These Items:
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$200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins, and medals.
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$1,000 on securities, accounts, deeds, evidence of debt, letters of credit, notes other than bank notes, manuscripts, passports, tickets, and stamps.
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$1,000 on watercraft, including trailers, furnishings, equipment, and outboard motors.
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$1,000 on trailers not otherwise insured
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$500 on any motorized golf cart, snowmobile, or other motorized land
vehicle owned by an insured designed for recreational use off public roads.
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$2,500 for loss by theft of jewelry, watches, furs, and precious and semi-precious stones.
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$2,500 for loss by theft of silverware, silver-plated ware, goldware, and gold-plated ware.
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$2,500 for loss by theft of firearms, ammunition, and related equipment.
If you need coverage with
respect to any of the above, you may schedule individual items of unusual value for specific amounts.
A storage shed and even trees and shrubs are some of the incidentals for which Homeowners provides
limited coverage at no additional cost.
Some of our other special Homeowner policy features that are provided at no charge to our valued customers include:
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An Inflation Guard that automatically adjusts your dweling to reflect changes in its value
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Debris Removal
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Watercraft Coverage
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Coverage on a limited basis for your credit cards
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