Please contact one of the independent agents who represent us. They will be glad to assist you with any questions you may have.

Coverage For Your Home and Personal Property


  • 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 (incl. on FO-3)
  • Trees, shrubs, plants, lawns
  • Grave markers ($1,500)
  • Glass breakage
  • Outdoor radio, TV, satellite dish antennas ($1,500)
  • Well pumps ($3,000)
  • Private power and light poles ($1,500)
  • Refrigerator food spoilage ($500)

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

  • 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 ($25,000)
  • Poultry and livestock coverage extensions
  • Silo and silo unloader broadened coverage
  • Unborn embryo coverage ($500)
  • Farm extra expense ($5,000)
  • Emergency and debris removal
  • Pollutant cleanup and removal ($10,000)
  • Farm signs ($500)
  • Glass breakage in cabs ($500)
  • Farm operations records ($2,500)
  • Specified power failure loss assumption ($5,000)

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


  • 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 ($500)
  • Contracts and agreements
  • Personal injury
  • Watercraft
  • Sudden and accidental pollution liability (policy limit of liability subject to limitations)
  • First aid expenses for others
  • Custom farm work ($5,000)
  • Fire legal liability (up to the policy limit of 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.

For available discounts on your Farm policy, please see Tips For Reducing Your Premium.

This is not a policy and does not provide coverage. The features found here may or may not be included in your policy depending on the type of coverages you select. Please refer to your Goodville Mutual policy for specific coverages or contact your agent for assistance. Not all coverages may be available in all states.