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PROGRAM FEATURES AVAILABLE (but not restricted to):
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- Farm Dwellings and Contents
- Comprehensive coverage
- Guaranteed replacement cost on farm dwellings and replacement cost on contents.
- Farm Outbuildings
- Comprehensive coverage that includes collapse or damage due to snow load, ice load as well as impact by own vehicle.
- Replacement cost – No depreciation on complete or partial losses
- Livestock
- Veterinarian Expenses – Postmortem examination determining cause of death is covered
- New acquisitions are automatically covered for a 30-day period commencing at the drop of the auctioneer’s hammer.
- Dead stock removal available
- Farm Machinery
- Replacement coverage for new mobile farm machinery for the first five years
- Automatic coverage for borrowed farm machinery
- Automatic coverage for newly acquired equipment (30 days)
- Produce
- Comprehensive coverage which covers feed, fertilizers, herbicides, pesticides, livestock medications
- Farm Liability
- Basic limits of $2,000,000 with higher limits available
- Limited Pollution Liability: Basic Limit: $1,000,000 per occurrence - $2,000,000 aggregate. Higher limits available.
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Hobby Farm owners have unique exposures that are excluded on a residential insurance policy yet may not require the coverage associated with a working farm. Rural Route combines all the protection you need in one cost-effective package.
- Coverage automatically included for scheduled farm use outbuildings, farm equipment, livestock and produce (increased limits available)
- Coverage automatically included for farm liability and pollution liability (increased limits available)
- “All Risk” coverage on farm equipment, livestock, produce and farm outbuildings
- Multiple discounts available
- Various deducible options available
- Flexible payment plans and renewal dates
Note: Comprehensive Rural Route Hobby Farm Package Available
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