We cover a variety of farm dwellings. From smaller ranch style homes to pole barn houses and larger homesteads, there is a policy that is a perfect fit for you. Like our residential home insurance, farm dwellings have coverage options from basic coverage up to special form coverage. Each of these can have farm liability coverage attached to the policy. Here’s a quick breakdown on our different coverage levels:

• Basic form coverage: Basic coverage is used for lower value homes, mobile homes, homes that are not owner occupied, or homes that are unoccupied while undergoing renovations. This coverage includes protection from basic perils, such as fire, wind, lightning, explosion, and others.

• Broad form coverage: Broad coverage can cover a variety of different farm dwellings, and is the most flexible form of coverage offered. Broad coverage can be written on mobile homes, homes in good condition that are not owner occupied, homes that are occupied while under renovation, pole barn houses, or older homes that are in good condition. This coverage includes protection from broad perils, which includes basic perils plus others such as water backup, falling objects, weight of ice sleet and snow, and others.

• Farm Homeowners: Farm homeowners policies cover homes that are high enough quality for our homeowner level protection, but they require farm liability instead of personal liability on the policy. These homes are typically newer homes that are in very good or excellent condition. They can be covered either by a broad coverage form (FL-2) or special coverage form (FL-3). The special coverage form protects the dwelling on an open perils basis. This means that a loss is covered as long as the peril that caused it is not specifically excluded from the policy.