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Home-Guard®
Protect Your Home with the Home-Guard® Policy
The Home-Guard® policy provides outstanding protection for your most important asset — your home.
The policy offers a variety of coverage to protect your dwelling and personal property. It also offers protection against possible financial disaster from accidents or injuries occurring on your property or from your personal acts.
Property Coverage
Dwelling
- The dwelling located on the described premises.
- Construction materials at the premises for use with your dwelling.
Other Structures
- Other structures located on the premises.
- Construction materials at the premises for use with other structures.
- Privacy or decorative fences.
Personal Property
- Personal property located at the premises.
- Automatic coverage for personal property temporarily away from premises.
Additional Living Expenses and Loss of Rents
- Covers the increase in your living expenses while your property is being repaired or replaced.
- Covers the loss of rents you might incur while the rented portion of the premises is unfit to occupy.
Additional Coverage
- Debris Removal
- Emergency Removal of Property
- Necessary Repairs After Loss
- Trees, Shrubs and Plants
- Refrigerated Products ($250 Included)
- Outside Radio/Television Equipment and Satellite Dishes
- Credit Card
- Loss Assessment
- Collapse
- Grave Markers
Home-Guard Select
If your home qualifies, you will be eligible for the expanded coverage offered by the Home-Guard® Select policy. Additional coverage includes:
- Open perils coverage for the dwelling
- Increased limits on additional coverage
- Increased limits on certain items of household personal property
- Replacement cost for the dwelling and household personal property
Optional Property Coverage
- Equipment Breakdown, including damaged sewer lines
- Farm/Household Operations Records
- Earthquake
- Condominium Unit Owners
- Scheduled Personal Property
- Refrigerated Products
- Replacement Cost for Household Personal Property
- Water Backup (Up to $20000)
Personal Liability Protection
Public Liability
Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts.
Medical Payments
Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises.
Damage to Property of Others
Covers property damage to property of others which you borrow or use.
Optional Property Coverage
- Incidental Business Activities
- Business Pursuits
- Home Day Care Provider
- Incidental Agricultural Activities
- Contractual Liability
- Waterbed
- Additional Insured
- Additional Premises
This information provides a basic description of the insurance provided for this product. These summarized coverage descriptions are intended for reference and don’t include policy conditions, exclusions, or limitations. For a complete description of the policy features consult your agent.
FarMate®
Protect Your Home with the FarMate®Policy
The FarMate® provides quality insurance protection for your entire farm. It also offers a wide variety of options to fit your farming operation.
Coverage
The FarMate® policy protects you from financial disaster by covering your:
- Dwelling
- Household Personal Property
- Additional Living Expense/Loss of Rents
- Farm Service Buildings
- Scheduled Farm Personal Property
- Blanket Farm Personal Property
Causes of Loss
The FarMate® protects your property from these causes of loss:
- Aircraft
- Vandalism
- Malicious Mischief Theft
- Smoke
- Vehicle Impacts
- Accidental Overturn or Collision
Livestock
Additional coverage applying to livestock:
- Electrocution
- Accidental Drowning
- Attack by Wild Dogs, Animals
- Accidental Shooting
- Injury From Loading or Unloading
- Collision or Overturn
Additional Coverage
- Debris Removal
- Emergency Removal of Property
- Necessary Repairs After Loss
- Satellite Dish Systems
- Farm Machinery and Equipment Coverage Due to Building Collapse
Optional Property Coverage
- Water Backup of Sewer and Drains up to $25,000
- Equipment Breakdown
- Additional Operating Expense
- Comprehensive Machinery Coverage
- Dwelling Replacement Cost
- Farm/Household Operations Records
- Household Personal Property Replacement Cost
- Leased or Rented Farm Buildings
- Open Perils Coverage For Dwelling and Contents
- Peak Season Endorsement for Grain
- Pollution Clean Up and Removal
- Suffocation of Livestock
- Weight of Snow, Ice, & Sleet
Ask your agent for details on different payment plans, deductibles, and the best optional coverage for your farming operation.
This information provides a basic description of the insurance provided for this product. These summarized coverage descriptions are intended for reference and don’t include policy conditions, exclusions, or limitations. For a complete description of the policy features consult your agent.
Farm Liability
Protect Your Farm with the Farm-Guard® Policy
The Farm-Guard® protects the members of your household against financial disaster from accidents or injuries occurring on your farm — whether you’re a farm owner or tenant.
The policy provides a broad range of standard coverage as well as a variety of optional coverage to customize protection to fit your farming operation.
Coverage
Public Liability – Protection against claims of negligence arising from your farming operations, use of premises, or personal acts.
Physical Damage to Property of Others – Pays for damages to property you borrow, such as farm machinery.
Medical Payments to Public – Pays for accidental injury to the public on your premises, by your livestock, or your farming operations or personal acts.
Medical Payments to Farm Employees – Covers medical expenses for accidental injury suffered by your farm employees while on the job, even if you are not at fault.
Automatic Coverage
- Coverage for losses arising out of custom farming or feeding when receipts total less than $2,000
- Protection from losses arising from business pursuits when receipts total less than $2,000
- Property damage protection for accidental spray drifts of farm chemicals when applied by any means other than aircraft.
- Contractual liability relating to the farming operations, goods or products or residence premises.
- Pollution coverage for losses caused by windstorm, accidental collision, overturn or breakage.
Optional Coverage
- Custom Farming *
- Custom Feeding *
- Residential Rental Property
- Additional Insured
- Business Activities *
- Employee Occupational Liability
- Contractual Liability
- Home Day Care
- Waterbed Liability
- Personal Injury
- Additional Premises
- Medical Payments — Named Persons
- Hunting and Fishing
- Milk Contamination
* When above $2,000 in receipts
Available Premium Credits
Landlord’s Liability
- Owner Occupied — 35% reduction in premium when the landlord has leased 90% of the farm to a tenant. The landlord must not have direct control over the farm premises or any interest in the farm equipment or livestock.
- Non-Occupied — 50% reduction in premium when the landlord does not live on the farm or have any direct control over the farm premises.
Livestock Exclusion
- A 20% reduction in premium when no livestock are owned by or in the care, custody or control of the insured.
Country Home Option
Premium reduction when total acreage is less than 40 acres and only incidental farming operations are conducted.
This information provides a basic description of the insurance provided for this product. These summarized coverage descriptions are intended for reference and don’t include policy conditions, exclusions, or limitations. For a complete description of the policy features consult your agent.
