HOMEOWNERS
Our Homeowner policies are meant for owner occupied dwellings. The Dwelling is insured on a replacement cost basis. Garages, other structures, and most landscaping (like fences), are also automatically built into the policy. Replacement cost can be added to Personal Property as well. A Homeowner policy also includes a stated amount for Loss of Use, which covers things like hotel bills if you are put out of your house due to a covered peril. Finally, personal liability and medical payments to others are part of this combined property and casualty insurance policy. Additional endorsement may be added to cover jewelry, ATVs, watercrafts, golf carts, home day cares, home offices, and much more. A homeowner policy may also be written for someone who is currently renting.
FARMOWNERS
Our Farmowner policies are meant for owner occupied farms. The Residence is insured on a replacement cost basis. Garages, other structures, and most landscaping (like fences), are also automatically built into the policy. Replacement cost can be added to Personal Property as well. A Farmowner policy also includes a stated amount for Additional Living Costs, which covers things like hotel bills if you are put out of your house due to a covered peril. Farm barns, farm buildings, and farm personal property (combines, tractors, livestock, grain, etc) are insured on an actual cash value basis. Finally, farm liability, medical payments to others, and pollution liability are part of this combined property and casualty insurance policy. Additional endorsement may be added to cover jewelry, ATVs, watercrafts, golf carts, home day cares, home offices, collision of farm machinery, intake of foreign objects, and much more. A Farmowner policy may also be written for someone who is currently renting a farm.
FIRE & EXTENDED COVERAGE
Don't qualify for a Homeowner or Farmowner Policy? or don't want a replacement cost policy? A Standard Fire & Extended Coverage policy is for you! This is an Actual Cash Value Policy. It can be for a home or farm that is owner occupied or tenant occupied. It can also be a seasonal dwelling or a mobile home.. You can chose to add liability or opt for just property coverage. Coverages can be added for jewelry, antiques, collectibles, ATVs, golf carts, minor business pursuits, custom farming, home day cares, collision of farm machinery, intake of foreign objects, and much more.
Discounts Available for
- HIGHER DEDUCTIBLES
- BEING IN THE CITY LIMITS
- NEW HOMES
- PROTECTIVE DEVICES
- INACTIVE FARMERS