Coverages | Agribusiness | General Summary - ISO 1998 and 2003

Coverage A - Dwelling

• Dwellings and attached structures
• Trees, shrubs, plants, and lawns within 500' of a covered dwelling
• Materials on the insured location intended for use in building, altering, or repairing a covered dwelling
• Extended replacement cost on covered dwelling available by endorsement

Coverage B - Other Private Structures Appurtenant to Dwellings

• Unattached structures appurtenant to the dwelling not used for farming purposes
• Ten percent (10%) of the limit of insurance shown for Coverage A - no distance limitation
• Outdoor radio and TV antennas/satellite dishes attached to dwelling with a $1,500 limit - may be increased

Coverage C - Household Personal Property

• Covered anywhere in the world
• Special limitations apply - limits may be increased

Coverage D - Loss of Use

• Coverage for necessary increase in living expenses if a covered cause of loss renders your home uninhabitable
• Fair rental value if a covered cause of loss renders a covered rental dwelling uninhabitable
• Loss and expense due to emergency prohibition against occupancy

Coverage E - Scheduled Farm Personal Property

This coverage allows you to choose those items you want specifically insured. A specific amount of insurance and selected coverage form is assigned to each item to be insured.

• Additional machinery, vehicles and equipment newly purchased are automatically covered up to $100,000 for 30 days
• Replacement machinery, vehicles and equipment newly purchased are automatically covered up to $50,000 for 30 days
• Coverage for additional acquired livestock during policy term - limitations apply
• Property in the custody of common or contract carrier is covered for $2000 - limit may be increased
• Livestock and specifically insured farm machinery (and equipment) covered on or away from the farm premises
• Hay, straw, and fodder in stacks with a 100' clear space between stacks

Coverage F - Unscheduled (Blanket) Farm Personal Property

This coverage allows you to insure, on a blanket basis, a total value taken from a detailed inventory of your farm personal property. A coinsurance clause applies and the amount of insurance must be no less than 80% of the total inventory.

• Farm personal property covered at or away from insured location
• Livestock limit:
  • $1,000 for any horse, mule or head of cattle under one year of age at time of loss
  • $5,000 for any head of livestock not included in the above.
• Farm products in the open are covered for 10% of the farm personal property limit shown in the declarations for fire, lightning, windstorm, hail, vandalism, vehicle, and theft
  • Grain in piles, shocks, stacks, and swaths
  • Fire and lightning coverage only for unharvested barley, corn, oats, rye, wheat, and other grains, flax, soybeans, and sunflowers
• Combines, cotton pickers, irrigation equipment, ATV’s, and hay must be listed separately and covered under Coverage E

Coverage G - Barns, Outbuildings, and Other Farm Structures

• Coverage for farm buildings and structures other than dwellings
• Newly constructed farm buildings are automatically covered for $100,000 for 60 days from first date of delivery
• Private power and light poles covered automatically up to $1,000 Basic, $1,500 Select, and $2,000 Select Plus

Additional Coverages

• Farm extra expense - $1,000 included - higher limits available
• Pollutant cleanup and removal for $10,000 by a covered cause of loss - may be increased to $100,000
• Disruption of farming operations

Coverages H, I & J - Liability Coverages

Our policy can be tailored to provide the protection you need resulting from injury or property damage covered by this policy.

Coverage H

• Farm Comprehensive Personal Liability (FCPL) and/or Commercial General Liability (CGL)
• Premises/Operations Liability
• Products Liability
• Fire Legal Liability for $100,000
• Care, Custody, and Control
• Chemical Drift for $25,000 - limit may be increased to $100,000
• Custom Farming Receipts - $10,000 included - limit may be increased

Coverage I

Personal and Advertising Injury

Coverage J

Medical Payment for $5,000

Automobile - Farm Commercial and Private Passenger Vehicles

• Liability
• Physical Damage
• UM/UIM
• Medical payments
• Non-owned and hired
• Drive other car
• No-fault (where applicable)
• Lay-up program for farm trucks one ton and over

Recreational Vehicles

• Watercraft
• Snowmobiles
• Four-wheelers
• Golf carts

Excess Liability

Broad protection over farmer’s comprehensive personal, commercial operations, and automobile liability

Perils

Basic Perils
Fire or Lightning	Aircraft	Theft	Earthquake Loss to Livestock
Windstorm or Hail	Vehicles	Sinkhole Collapse	Flood Loss to Livestock
Explosion	Smoke	Volcanic Action
Riot or Civil Commotion	Vandalism	Collision (E and F only)
Broad Perils (Basic Perils plus the following)
Electrocution of covered livestock	Drowning of covered livestock from external causes	Falling objects	Accidental discharge or leakage of water or steam
Attack on covered livestock by dogs or wild animals	Loading/unloading accidents	Weight of ice, sleet or snow	Freezing
Accidental shooting of covered livestock	Breakage of glass or safety glazing material	Sudden and accidental tearing apart	Sudden and accidental damage from artificially generated electrical current (coverage A-D only)
Special Perils
Broadest coverage available	Not named perils, named exclusions	Refer to form FP 10 60

Program Availability

Program	States
ISO 1998	TX and WA
ISO 2003	AL, FL, GA, IA, IL, MN, MO, MS, NE, and SD

The information herein is intended to provide an overview of coverage and does not alter or amend any provision of any policy contract ultimately delivered. Potential customers should examine carefully the policy contract and consult an insurance professional for any questions concerning coverage.

Coverage Limits

Coverage A-D	Standard	Select	Select Plus
Coverage B • Other Private Structures Appurtenant to Dwellings (% of Coverage A)	10%	10%	20%
Coverage C • Household Personal Property (% of Coverage A)	50%	50%	70%
Coverage D • Loss of Use (% of Coverage A)	10%	20%	40%
Outdoor Radio and TV antennas	$1,000	$1,500	$1,500
Gold, money, platinum, and silver	$200	$400	$1,000
Letters of credit and securities	$1,500	$2,000	$2,500
Watercraft equipment and trailers	$1,500	$1,500	$2,000
Trailers (not used with watercraft)	$1,500	$1,500	$3,000
Grave markers	$5,000	$5,000	$5,000 ($7,500)
Business property on premises	$2,500	$2,500	$3,000
Business property off premises	$500	$625	$750
Furs, jewelry, semi and precious stones and watches (theft & mysterious disappearance)	$2,500	$2,500	$10,000/$2,500
Goldware, silverware, and pewterware (theft & mysterious disappearance)	$2,500	$2,500	$10,000
Firearms (theft & mysterious disappearance)	$3,000	$4,000	$6,000
Trees, shrubs, plants, lawn (maximum limit each)	$500	$1,000	$1,000
Tree removal	$1,000	$1,000	$1,000
Household personal property away from premises	$1,000	$2,500	$10,000
Refrigerated products	$500	$600	$1,000
Replacement keys	N/A	No limit - Deductible applies	No limit - Deductible applies
Service interruption (owner occupied dwellings)	N/A	N/A	N/A
Sewer back-up	Not included but available	Not included but available	Not included but available
Credit cards	$500	$1,000	$10,000
Private power and light poles	$1,000	$1,500	$2,000
Witness expense	N/A	$600	$600
Replacement cost contents	Not included but available	Not included but available	Included
Ordinance or law	Not included but available	Not included but available	Included (Included **)
Debris removal	Included* (Included)	Included* (Included)	Included*
Glass	Included	Included	Included
Valuable Personal Articles	Schedule	Schedule	Schedule
Accidental death	N/A	$1,000	$1,000
Fire extinguisher recharge	N/A	$200	$200
Electronic apparatus in/on a vehicle	$1,500	$1,500	$1,500
Electronic apparatus not in/on a vehicle	$1,500	$1,500	$1,500
Extended replacement cost	N/A	Not included but available	Included

Items in parenthesis are applicable to 1998 coverage only. *25% of the loss to covered property plus 5% of the limit of that covered property. ** If special perils apply.

Coverage E and F	Standard	Farm Personal Property Extension Endorsement
Hay maximum limit per stack (Coverage E)	$10,000	$100,000
Misc. equipment maximum limit per item (Coverage E)	$3,000 ($2,000)	$5,000 ($3,000)
Additional machinery, vehicles and equipment newly purchased	$100,000	$100,000
Replacement machinery, vehicles and equipment newly purchased	$75,000 ($50,000)	$75,000 ($50,000)
Property in custody of common carrier	$1,000	$2,000
Livestock maximum limit per head	$2,000***	$5,000***
Foreign Objects	N/A	Not included but available

Items in parenthesis are applicable to 1998 coverage only. ***$1,000 for livestock under 1 year of age. The information herein is intended to provide an overview of coverage and does not alter or amend any provision of any policy contract ultimately delivered. Potential customers should examine carefully the policy contract and consult an insurance professional for any questions concerning coverage.