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Dwelling 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.

Equipment Breakdown Coverage Microsite Link

Protect the investments in your home.
Get Dwelling Equipment Breakdown Coverage today.
Learn More

Farm Coverages

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.

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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.

Contact an agent

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