Provides on and off premises liability and medical payments coverage for owned recreational vehicles.
The policy may be endorsed to provide limited coverage for certain pollution exposures.
If farm personal property is insured on the policy, this endorsement allows a farmer to increase and pay the additional cost to increase their farm personal property limit for a specified period of time. This endorsement is commonly used to increase coverage for grain in storage during harvest or for seed and chemicals during planting season.
Regardless of size, most farms have insurable equipment breakdown exposures from pumps, motors, electrical panels, and dryers to milking machines and feed mixers. Also, don’t forget about all the equipment breakdown exposures in a dwelling. Coverage is available for physical loss or damage originating within mechanical, electrical, electronic or fiber optic equipment caused by, resulting from or consisting of mechanical breakdown: electrical or electronic breakdown; or rupture, bursting, bulging, implosion, or steam explosion.
For no additional premium charge, we will agree to repair or replace a damaged dwelling with less costly common construction materials and methods which are functionally equivalent to obsolete, antique or custom construction materials and methods used in original construction of the dwelling.
This coverage is available for direct loss to property for dwellings and personal property caused by water which backs up through sewers or drains.
This enhancement endorsement provides up to $10,000 coverage for equine related personal property (limit $2,000 per any one item); $2,500 coverage for field and pasture fences; and $1,000 for signs.
Under the Dwelling and Outbuilding Coverage(s) we will cover, up to the amount of insurance purchased, your materials and supplies which are on, adjacent to, or in transit to the "insured location(s)" for use in the construction, alteration or repair of the covered dwelling, outbuilding or other structures on the "insured location(s)".
Household contents can be insured for the full cost of repair or replacement without deduction for depreciation.
We will pay up to the limit chosen for expenses incurred by an insured as a direct result of any identity fraud first discovered or learned of during the policy period.
Breakage of glass in the cab of mobile agricultural equipment may be covered for the limit chosen with no deductible.
Not all coverages, credits, and discounts are available in all states.