Farm Owners Policy

You may own a family farm that is generations old. Whether it's dairy, beef, or crops - farms have different risks and liability than other businesses. We've worked with farmers to provide solid insurance protection across Ohio.

Farm Owners is an insurance product that provides multiple coverage options to protect different kinds of property, including your dwelling, outbuildings, machinery, farm equipment and livestock. This type of policy also provides liability protection, which protects you against bodily injury or property damage claims that may arise out of your farming operations.

A Farm Owners policy combines all the important coverage’s you'll need in one convenient package. This means:

  • Convenience - One independent agent; one policy; one premium
  • Flexibility - Tailor your coverage package for your individual needs
  • Savings & Security - Buy the protection you need and avoid paying for coverage’s you don't need

Farm Dwelling Coverage

Your choice of levels of coverage for your farm dwelling: 

  • Basic form (Standard form policy with optional liability endorsement)
  • Broad form
  • Special form
  • Renter's form
  • Coverage for outdoor antennas**
  • Coverage for private power and light poles**
  • Coverage for spoilage of refrigerated food**
  • Coverage for "farm implements" used to service the insured premises (e.g. lawn mowers)**
  • Coverage for well pumps**

**Many optional coverage’s available to tailor protection to your needs

Farm Property Coverage 

Up-to-date coverage for your farm property as specified in the policy from, including:

  • "Rock in combine" coverage**
  • Coverage for glass breakage in cabs**
  • Coverage for farm operations records**
  • Coverage for rented or borrowed farm equipment**

**Many optional coverage’s available to tailor protection to your needs

Farm Liability Coverage 

  • Public Liability
  • Physical Damage to Property of Others
  • Medical Payments to Public
  • Identity theft expense coverage
  • Employers Liability
  • Medical Payments to Farm Employees
  • Protection from losses arising from business pursuits when receipts total less than $2,000
  • Property damage protection for accidental spray drifts of farm chemicals when applied by any means other than aircraft.
  • Contractual liability relating to the farming operations, goods or products, or residence premises.
  • Pollution coverage for losses caused by specified perils. 
  • Many optional coverage’s available to tailor protection to your needs

Optional Coverage’s Available

  • Farm Extender Endorsement - includes debris removal, replacement cost coverage for well pumps, and more
  • Earthquake coverage - Available for dwelling and/ or farm property. One low rate for coverage on dwellings, regardless of location or construction
  • Replacement Cost Coverage - Available for household personal property
  • Back-up of sewer and drains
  • Computers (hardware and software)
  • Scheduled personal property coverage - Available for jewelry, furs, silverware, fine arts, etc.
  • Property in transit**
  • Suffocation of livestock
  • Custom farming coverage
  • Custom feeding limited liability coverage
  • Contract grower limited liability coverage
  • Dwellings rented to others
  • Coverage for pollutant clean-up on insured premises**
  • Off-premises coverage for recreational vehicles

**Ask your agent about other endorsements available

Deductible Options Available

  • Deductibles - Receive significant savings when you raise your deductible