Farm Guard Policy



farm

Coverages

The FarMate policy protects you from financial disaster by covering your:

  • Dwelling
  • Household personal property
  • Additional living expense/loss of rents
  • Farm buildings
  • Scheduled farm personal property
  • Unscheduled farm personal property

 

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 or animals
  • Accidental drowning
  • Accidental shooting
  • Injury from loading or unloading
  • Collapse of bridges or culverts
  • Collision or overturn of conveyances

Additional Coverages

  • Debris removal
  • Emergency removal of property
  • Necessary repairs after a loss
  • Construction of new buildings
  • Fire department charges
  • 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
  • Farm extra expense
  • Farm/household operations records
  • Fire department charges
  • Glass breakage – farm machinery
  • Household personal property replacement cost
  • Inflation guard
  • Leased or rented farm buildings
  • Loss of farm earnings
  • Open perils coverage for dwelling and contents
  • Peak season
  • Pollution clean up and removal
  • Water backup through sewer or drain

 

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