» Products & Services
Homeowner
Our Homeowner programs are designed to protect your owner-occupied dwelling from multiple perils. Depending on the coverage type you choose, the perils insured against can range from very broad to very basic, with a corresponding premium cost. Automatic coverages that are included in the policy are Personal Property, Other Structures, and Loss of Use. The Homeowner program offers both replacement cost and actual cash value policies.
If you rent a dwelling or an apartment, we also have a program that covers Personal Property only.
All of the above policies can be purchased with varying amounts of Liability and Medical Payments coverage.
To find an agent near you to fully explain our Homeowner program, click here.
Farmowner
Our Farmowner policy is called the Agri-Pak. The strength of this policy is in its flexibility. It can be tailored to protect a wide range of property, including:
- Owner-occupied and tenant-occupied dwellings (replacement cost coverage available).
- Owner-occupied mobile homes.
- Tenant-occupied mobile homes in certain situations.
- Scheduled and unscheduled household goods (replacement cost coverage available).
- Personal and farm outbuildings.
- Scheduled and blanket farm personal property including machinery and equipment, irrigation units, livestock, and harvested hay and grain.
- Miscellaneous coverages including debris removal, refrigerated products, farm machinery cab glass, and sewer backup are also available.
Virtually all of the above items can be purchased to protect against various perils, ranging from broad or very broad to very basic coverage. That way you can avoid paying for coverage on an item that you feel you do not need, which results in premium savings. For instance, if Theft is not a peril you are concerned about on a particular item, you can purchase coverage that does not include Theft, resulting in less premium dollars.
The Agri-Pak policy can also be purchased with varying amounts of Liability and Medical Payments coverage.
To find an agent near you to fully explain our Agri-Pak program, click here.
Dwelling Fire
This program is designed mainly to insure tenant-occupied dwellings and owner-occupied mobile homes. However, we do offer it for owner-occupied dwellings and tenant-occupied mobile homes in certain circumstances. Although the name of the program indicates fire coverage, perils insured against include many additional perils and can range from very broad to very basic coverage, with a corresponding premium cost. Coverage for Personal Property, Other Structures, Fair Rental Value, and Additional Living Expense can be optionally purchased also.
The Dwelling Fire policy can be purchased with varying amounts of Liability and Medical Payments coverage as well.
To find an agent near you to fully explain our Dwelling Fire program, click here.
Inland Marine
This program is designed to protect your valuable personal property in a scheduled format against a very broad range of perils. Among others available, eligible items include: Boats, Motors, & Equipment; Fine Arts; Furs; Guns; Jewelry; Musical Instruments; and Personal-use & Business-use Tools.
Also available under this program is coverage for Farm Machinery & Equipment and Livestock. Livestock policies are available in 12-month, 10-month, 8-month, and 6-month terms.
To find an agent near you to fully explain our Inland Marine program, click here.
Businessowner
This program is designed to cover commercial buildings, usually in smaller towns, on an actual cash value basis where replacement cost coverage would be too cost prohibitive based on the market value of the building. Basic perils of Fire, Lightning, Wind, Hail, Tornado, and Vandalism are covered. Coverage for Business Personal Property, Liability, and Medical Payments can optionally be purchased also.
To find an agent near you to fully explain our Businessowner program, click here.
