Farm Coverages
Dwelling Coverages
Dwelling
Pays to repair or replace your home if it is damaged or considered a total loss. In order to help you determine how much coverage you need, your agent will help estimate your dwelling’s replacement cost.
Guaranteed Home Replacement Cost
We understand that for a variety of reasons, your coverage amount may not be adequate at the time of a loss. This provides full replacement of your home in the event that your coverage limit is too low.
Personal Liability
Protects you from lawsuits or damages for which you may be liable.
Personal Property
Covers the personal possessions you have in your home and on your property.
Farm Home Plus
Builds on your policy by providing several additional coverages in one package. It includes coverage for damage to your property caused by household appliance leaks, increased coverage limits for food spoilage from power failures and more.
Water Backup of Sewers or Drains
Backed up sewers or drains can wreak havoc on a home, causing damage to floors, walls, furniture and electrical systems. Coverage for water backup is available with a wide array of limits to suit your needs.
Service Line Coverage
Provides coverage for underground service line damage caused by wear and tear, rust or other perils.
Dwelling Equipment Breakdown
Covers electrical and mechanical failures of equipment at your home, from air conditioners and heating units to computers and major appliances. Learn more about this coverage and see how you can protect your home.
Farm Coverages
Farm Buildings
Covers outbuildings, barns, sheds and other buildings used for your farming operations with various loss settlement options, such as replacement cost or actual cash value.
Farm Liability
Protects you from lawsuits or damages for which you may be liable.
Farm Personal Property and Farm Implements
Provides coverage for personal property used in your farming operations including farm implements, borrowed equipment and any new farm personal property that has been purchased within 30 days and is not yet insured on the policy. A replacement cost option is also available for newer farm implements.
Farm Income and Extra Expense
Provides coverage during the period of restoration when a covered event doesn’t allow you to operate your farm to its full potential.
Limited Pollution Coverage
Provides coverage for pollution incidents and includes events such as manure pollution, overspray of chemicals and more. Covers clean-up costs for which you may be legally liable, if environmental damage occurs.
Boarding, Breeding or Training of Equines
Provides personal liability and medical payments coverage in connection with boarding, breeding and training of equines.
Peak Season
Most farms have fluctuations in their commodities based on the season. This coverage will adjust the farm personal property limit to account for these fluctuations.
Farm Equipment Breakdown
Covers expenses due to breakdown for farm building items like boilers, vacuum vessels, mechanical, electrical, electronic or fiber optic equipment.
Livestock Winter Perils Coverage
Covers livestock for winter weather-related events, such as loss due to blizzards and snowstorms.
Land Leased or Rented for Farming
Provides coverage for land that you use for farming operations, but do not own.
Farm-Pak Coverage Endorsements
These endorsements build on your policy by providing several additional coverages in one convenient package. Coverage is uniquely tailored to meet the needs of specific farm types.
How Do I Get a Quote?
Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.