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Home, Personal Property coverage
The Farm/Ranch policy provides coverage for your
home and personal property, such as your
clothes, furniture and appliances.
Loss of Use coverage
provides payment
for certain losses when your home is damaged and
rendered uninhabitable because of an insured
loss.
Farm Property
Regardless of your size, these coverage's can be
tailored to fit the specific needs of your farm
to cover your farm personal property and farm
buildings and structures.
Scheduled Farm Property coverage
provides protection against specified perils for
the farm personal property that you specifically
name.
Unscheduled Farm Personal Property
coverage provides specified perils
coverage for the farm personal property that you
use in your farming operations.
Farm Buildings and Structures
coverage provides specified perils
coverage for farm buildings and structures you
specifically describe.
For an additional premium, coverage
for your farm machinery, farm buildings and
structures can include accidental direct
physical losses. This coverage may provide for
additional losses such as partial or total
collapse of farm buildings.
Specified perils include:
- Fire or lightning
- Windstorm or hail
- Theft
- Smoke
- Vandalism or malicious mischief
- Collision
- Explosion
- Vehicles
- Aircraft
- Riot or civil commotion
Additional perils for livestock
(included at no extra charge):
- Attack of livestock by wild animals or
dogs (loss to sheep not included)
- Accidental drowning of livestock
- Accidental shooting of livestock
- Accidental electrocution of livestock
Farm Liability Coverage
provides payment for your legal liability up to
the limits in the policy for damages because of
bodily injury or property damage caused by an
occurrence to which this insurance applies.
Medical Payments to Others.
This coverage provides medical expenses up to
the limits in the policy for people who are on
your premises with your permission and are
accidentally injured. Coverage also extends to
people accidentally injured by your activities.
However, this coverage does not extend
to you, your family or employees.
Additional
Coverage's
- Chemical Drift Liability
- Damage to Property of Others
- Theft
- Claims Expenses
Optional
Coverage's
- Business Pursuits Liability
- Incidental Business Activities
- Custom Farming
- Custom Feeding
- Limited Pollution Liability
Also Available
- Crop-Hail
- Multi-Peril Crop
- Companion Hail Insurance
This information contains only a general
description of coverage's and is not a contract.
Details of coverage or limits vary in some
states. All coverage's are subject to the terms,
provisions, exclusions, and conditions in the
policy itself and in any endorsements.
Learn about Farm Safety
Farming is more than just a
business, it's a way of life.
No one understands that better than Oliver
Insurance. Since our company's founding, we've
recognized the unique needs of farmers and
ranchers. That's why we designed our Farm/Ranch
policy to provide broad and flexible coverage
for both your personal and business needs. To
find out more,
contact an
Oliver Insurance agent.
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