Farm Home Insurance
- Helps protect your dwelling on your property if it gets damaged or destroyed
- Add an extra level of protection for the business conducted on your property
- Protect your home, outdoor structures, appliances and belongings
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What is home insurance for your farm?
Our farm and ranch policies are able to insure your home, too. The farm dwelling coverage on a farm and ranch policy helps protect your home's structure. Your belongings inside, appliances and outdoor structures may also be covered.
When Farm Home Insurance Helps
Farming and ranching is hard work. Home insurance for your farm and ranch can help you protect what you have worked hard for. Here’s some ways to do it.
Did you know?
Smart tech can make monitoring and protecting your farm home more convenient. Find out if you qualify for smart home discounts or speak to an agent today.
Fires
Your outbuilding caught on fire and caused significant damage to the building which now needs repaired and possibly replaced. Your farm home insurance may cover fire damage to your property. The policy may also help cover the cost of replacing damaged items and rebuilding the structure.
Hail, Lightning and Windstorms
Your farm home is severely damaged after a tree falls on the house during a windstorm. Your family is ok, but your house is uninhabitable. Home insurance for your farm may cover damage from hail, lightning, windstorms, and severe weather. It also pays for extra living costs.
Theft and Vandalism
Someone broke into your shop. They poured paint all over your garage and stole the woodworking tools you had in it. Your farm and ranch policy may cover the cost of repairing and cleaning up your garage, as well as compensation for stolen tools.
Damage from Winter Weather**
Your roof collapses after heavy snowfall. Home insurance for your farm pays for repairs or replacements if ice, snow or sleet damages your property. This includes damage to the building and things inside. Additional living expenses may also be covered if the home becomes unlivable.
Water Damage from Plumbing or Heating
A pipe bursts in your bathroom and causes water damage. Home insurance for your farm covers water damage from plumbing or heating systems. It generally covers walls, floors, ceilings, and fixtures that have been damaged. If living expenses come up due to repairs, those are also covered.
Power Surges to Appliances
A power surge causes your refrigerator to malfunction. Home insurance for your farm will cover unexpected damage from power surges. This could include damage to appliances, electronics, and other items. We'll help pay for repairs or replacements, so you don't have to pay for everything out of pocket. In some cases, you may also have coverage for food spoilage.
Frequently Asked Questions
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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
**This is an optional coverage that can be purchased.