Coverage for your home and personal property:

Covers:

	Your home
	Personal property
	Related private structures
	Additional living costs and loss of rents

Also included with certain limitations:

	Inflation guard
	Emergency and debris removal
	Landslide
	Credit card, forgery, counterfeit money
	Personal property replacement cost
	Trees, shrubs, plants, lawns
	Grave markers
	Glass breakage
	Outdoor radio, TV, satellite dish antennas
	Well pumps
	Private power and light poles
	Refrigerator food spoilage

Available enhancements:

	Earthquake
	Backup of sewers, drains, sumps
	Sprinkler leakage
	Scheduled personal property: Direct physical loss to jewelry, guns, gems, furs
	Computers
	Business property
	Watercraft
	Additional insured
	Expanded replacement cost terms
	Identity Theft - When you purchase our Identity Fraud Expense Coverage endorsement, you also receive personalized assistance from a trained fraud specialist at Identity Theft 911. Learn more about the help available from Identity Theft 911.

Coverage for your barns and farm personal property:

Covers:

	Your farm barns, buildings, silos, additional farm dwellings and other structures.
	Farm personal property including products, supplies, equipment, implements, tools and livestock.

Also included with certain limitations:

	Borrowed farm equipment
	Poultry and livestock coverage extensions
	Silo and silo unloader broadened coverage
	Unborn embryo coverage
	Farm extra expense
	Emergency and debris removal
	Pollutant cleanup and removal
	Farm signs
	Glass breakage in cabs
	Farm operations record
	Specified power failure loss assumption

Other enhancements:

	Added animal perils
	Fence coverage
	Reproductive materials
	Replacement cost - well pumps
	Loss of earnings
	Agreed utility value - barns
	Weight of ice, rain, sleet, snow
	Earthquake
	Broad or Special perils - barns and machinery
	Replacement cost - barns and / or machinery
	Peak season coverage
	Animal collision
	Equipment breakdown
	Growers and finishers
	Intake of foreign objects
	Recreational motor vehicles

Personal Liability

Covers:

You and your spouse, resident dependent relative, pets and farm animals

Pays for:

	Damages due to bodily injury and/or property damages, for which you are legally liable, caused by an occurrence arising from or in the course of your personal or farming activities.
	Reasonable medical expenses for bodily injury to visitors and guests on your farm.

Also included with certain limitations:

	Defense and legal costs
	Damage to property of others
	Contracts and agreements
	Personal injury
	Watercraft
	Sudden and accidental pollution liability
	First aid expenses for others
	Custom farm work
	Fire legal liability

Available enhancements for purchase include:

	Additional residences
	Farms or structures rented to others
	Care provided for others
	Business activities
	Office, professional, private school or studio on the farm premises
	Employers liability only when Workers Comp does not apply
	Custom farming
	Recreational motor vehicles
	Unregistered farm truck
	Horse and carriage
	Other incidental business pursuits
	Personal Injury
	Additional Insureds

Farm Cover / Farm Cover Plus - A package of additional coverages.
Farm Cover extensions of coverage are automatically included on all policies written on a Form 3. Farm Cover Plus extensions are automatically included if your home qualifies. If it does not quality, a similar package of coverages can be purchased for a minimal price. Contact an agent for details about these packages.