Farmowner Policies - Covered Perils

Limited Form

• Fire or Lightning
• Windstorm and Hail
• Explosion
• Riot or Civil Commotion
• Aircraft
• Vehicles
• Sudden and Accidental Damage from Smoke

Basic Form - Includes Limited Perils plus the following additional perils:

• Vandalism and Malicious Mischief
• Theft
• Glass Breakage

Broad Form - Includes Limited and Basic Perils plus the following additional perils:

• Falling Objects
• Weight of Ice, Snow or Sleet
• Collapse of a Residence or Any Part of a Residence
• Sudden and Accidental Tearing Apart, Burning or Bulging
• Accidental Discharge or Overflow of Liquids or Steam
• Freezing of a Plumbing, Heating or Air-conditioning System or Domestic Appliance
• Sudden and Accidental Damage from Artificially Generated Electrical Currents
• Collision and/or Overturn
• Additional Perils Applying to Livestock

Special Form - When Special is shown on the declarations, the perils of Limited, Basic and Broad apply to your policy.  Additionally, we insure against risks of direct physical loss (excluding consequential loss) except losses specifically excluded.

special note:  Your individual policy is subject to any exclusions or restrictions that appear on the declarations or in the policy itself.