We have teamed up with Mutual of Enumclaw Insurance Co., one of the leading carriers of insurance for Farm operations. Our Farm Policy provides protection for owners (including corporations) or tenants (with an insurable interest) in agricultural farming and ranching activities. It also protects primary and secondary dwellings, rental dwellings, buildings, equipment, machinery, boats and vehicles. You may select liability limits of $100,000, $300,000, $500,000 or $1,000,000 per occurrence with the aggregate limits (maximum amount that will be paid annually for all occurrences) being twice the occurrence limit. Higher limits are available with an Umbrella policy. Included in the Basic Liability Coverage Forms: Snowmobile liability on and away from the insured premises. Liability for recreational motor vehicles on the insured premises. $25,000 for Chemical Drift liability (subject to limitations)*. Custom Farming up to $10,000 receipts*. Included in the Basic Property Coverage Forms: $500 on gold, silver and money. $2,500 on securities. $2,500 on watercraft (except theft away from insured's premises). $2,000 on trailers (except theft away from insured's premises). $2,500 on vehicles used to service the premises*. $1,000 on business personal property off the insured premises*. $5,000 for loss by theft of jewelry and furs*. $5,000 for loss by theft of firearms*. $2,000 for loss by theft of electronic apparatus*. $1,000 for contents of freezer. *These items may be increased. If farm equipment is insured, coverage is provided up to: $100,000 for newly acquired replacement machinery (scheduled), vehicles and equipment (60 days). $100,000 for temporarily leased, rented or borrowed farm machinery (60 days). $250,000 for newly acquired machinery vehicles and equipment (60 days). If farm personal property is insured, coverage is provided for: Hay, straw and fodder up to $50,000 while located on the insured premises (limit $10,000 per stack) for the Covered Causes of Loss of fire, lightning, wind or hail, vehicles and theft. If unscheduled Farm Personal Property is selected, the policy provides an extension of 10% of the limit for grain in piles, shocks, stacks or swaths in the open for the Covered Causes of Loss of fire, lightning, windstorm or hail vehicles and theft. $1,000 for insured farm personal property in the custody of a common or contract carrier. Also, coverage is provided for: $100,000 for newly acquired buildings if other farm buildings are insured. $250 in Washington; $1,000 in Oregon, Idaho and Utah for private power and light poles owned on the premises. $10,000 for pollutant cleanup and removal at the insured location if the damage results from a Covered Cause of Loss. Other Highlights Blanket insurance is available on outbuildings. Functional valuation is available on farm personal property and equipment. Combine-harvesters can be included in blanket farm personal property. There is no mileage limit on farm personal property. Coverage for sump overflow and backup sewers and drains applies to other buildings in addition to the main dwelling. There is no limit on Fire Department Service Charge coverage. Lay-up credits are available for many farm trucks when auto coverage is provided. FREE Identity Theft Protection. Other Coverages Available Equipment Breakdown. Spoilage. Extra Expense. Disruption of Farming Operations. Watercraft Liability and Physical Damage. Transportation of Farm Products. Tires and Tubes (damage by collision) on Covered Machinery. Financed Scheduled Farm Machinery and Equipment (to pay off loans). Up to $100,000 for Property Damage Arising From Aircraft Spraying by Others. Growing Crop. Enhanced Commodity Growers. Limited Farm Pollution Liability (up to $250,000). Livestock Collision. Discounts If you have a newer house, it will qualify for our New Home Discount. If you have approved and properly maintained installations of burglar alarms and fire alarms, you will be afforded our Protective Devices Discount. These definitions are not applicable in all states or for all products. This is not an insurance contract. Other terms, conditions, and exclusions apply. Please read your policy for full details about the coverage’s. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control. |
