Farmowners Policy
As a
farmer, you know how costly an unexpected event can be. N.C.
Grange Mutual's Farmowners policy provides the protection you
need against many such unexpected events. The farmowners
policy is a package policy providing coverage for your home,
personal property, farm machinery, livestock, outbuildings,
and liability. We offer several different levels of farmowner
protection. Regardless of which farmowner insurance fits your
specific needs, N.C. Grange Mutual products are among the
best. We take pride in our high quality, competitively priced
policies which provide the coverage you and your family need.
The different plans available may not offer all the coverages
shown below. Please see your local agent for
help in determining your insurance needs and the plans and
coverages available to you.
Plans
Available:
• FO3 - for the newer or
substantially updated home situated on a farm
• FO2 - for the
well-maintained home situated on a farm regardless of age
•
FO8 - for the
well-maintained home situated on a farm whose market value is
substantially less than replacement value - usually older
homes or homes with unusual features
The
Farmowners Policies provide protection from multiple perils
for both physical damage and liability. These "package type"
policies offer various types of coverage under one
policy.
The
Standard Coverage includes:
Coverage A
- Dwelling
Coverage B - Other Structures
Coverage C -
Personal Property
Coverage D - Loss of Use
Coverage G -
Farmers Comprehensive Personal Liability
Coverage H -
Medical Payments to Others
What
these standard coverages protect:
• Your home and attached
garage
• Unattached garage and
outbuildings, such as a utility shed, used to service the main
dwelling
• Your personal property
such as furniture, clothing and appliances
• Additional living
expenses, over your usual expenses, when your home is
uninhabitable because of a covered loss
• Liability arising from
lawsuits for bodily injury or property damage as well as the
cost of legal defense
• Medical payments which
may be necessary because of injuries suffered by others,
either on your premises or by your actions
In
addition, the policy also covers:
• Debris removal after a
loss has occurred
• Reasonable repair costs
to protect from further damage after a loss has occurred
•
Fire Department Service
Charges
• Thawing of frozen food
if caused by a covered peril - $500 limit
• Collapse
• Damage to property of
others
Optional Coverages include:
• Replacement Cost for
Personal Property
• Additional Farm Premises
Liability
• Structures Rented to
Others
• Credit Card and
Depositors Forgery - increased limits
• Earthquake
• Scheduled Personal
Property - jewelry, furs, guns, golf clubs, personal
computers, etc.
• Additional Residence
Liability
• Farm Personal
Property
• Farm Barns and
Buildings
• Custom Farming
• Animal Collision
• Livestock
• Farm Equipment
• Watercraft Liability for
most boats
• Watercraft Physical
Damage for most boats
• Satellite Dish
...
and more
You
could possibly qualify for premium credits such
as:
Protection
Device Credits
Coverage Amount Credit
Age of Dwelling
Credit
Higher Deductible Credit
What
property perils are covered?
Fire and
Lightning
Windstorms and
Tornados
Hail
Explosions
Strikes and
Riots
Aircraft
Vehicle
damage
Smoke
Vandalism
Theft
Glass
breakage
Falling trees
Weight of ice and snow
Sudden
water damage
Freezing of plumbing
Electrical damage to
appliances due to surges
Any peril not specifically
excluded - FO3 Plan only
NOTE: Some Coverages or discounts may not apply
depending on the plan. Some exclusions and limitations may
apply. Please see an agent near you for
assistance in determining your insurance needs and the plans
and coverages available to you.
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