POLICY TYPES

Farm-Mate policies provide property coverage for your farm home,  buildings, confinements, farm equipment, and livestock. Packages are  available that include the dwelling, household personal property, and  additional living expense. FarmGuard liability coverage is offered and  can be added to your Farm-Mate policy.

The Home-Guard Special Form policy provides property and personal liability  coverage. It is available for newer homes or ones that have been  extensively remodeled. Replacement cost coverage for the dwelling,  personal property, and other structures is provided by this policy.  Additional living expense is also provided should your home become unfit  to live in due to a covered loss. Personal liability coverage includes  liability to the public, medical to public and physical damage to  property of others.

The Home-Guard policy provides property and personal liability coverage. It  is designed to cover your home and its contents, as well as other  structures located on your property. This policy also provides coverage  for additional living expenses should your home become unfit to live in  due to a covered loss. Personal liability coverage includes liability to  the public, medical to public and physical damage to property of  others.

The Home-Guard Contents policy provides property and personal liability coverage. It  is a renters policy designed to cover your personal property. This policy also provides coverage  for additional living expenses should your home become unfit to live in  due to a covered loss. Personal liability coverage includes liability to  the public, medical to public and physical damage to property of  others.

The Mobile Home-Guard policy is for the coverage of an owner-occupied mobile home,  personal property, additional living expenses, and personal liability.  Liability coverage includes liability to the public, medical to public  and physical damage to the property of others.

Dwelling Property policies are designed for town and rural dwellings, including  cabins and seasonal dwellings when the Home-Guard or Farm-Mate policy is not  appropriate. This policy may be written for owner-occupied dwellings or  dwellings that are rented to others and includes protection for the  dwelling. Supplementary coverage for other structures, personal  property, additional living expenses and loss of rents is available.  Personal Liability or Owners, Landlords and Tenants Liability can be  added to this policy.

Church, School, and Community Property policies provide coverages for  fire, windstorm, and extended coverage for public buildings as well as  coverage for the insured’s business personal property and personal  property of others.

The Scheduled Personal Property Coverage Endorsement can be added to any  policy that has household property insured. This is coverage for direct  physical loss or damage to individually listed personal property such as  jewelry, guns, antiques, etc. and is used when extra coverage is  desired for specific items.