For home owners/Renters
This program is 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. Other coverages that are included in the policy are Personal Property, Other Structures, and Loss of Use. This 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.
The above policies can be purchased with varying amounts of Liability and Medical Payments (to others) coverage.
To find an agency near you to fully explain this program and give you a quote, visit our Agency Locator page.
For Farm owners/operators
Our farm 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 such as machinery, irrigation units, livestock, and harvested hay & grain.
Miscellaneous coverages such as debris removal, refrigerated products, farm machinery cab glass, and sewer backup.
All of the above items can be individually purchased to protect against various perils, ranging from very broad to very basic coverage. This means you can avoid paying for coverage that you feel is not needed, which results in premium savings. For example, if Theft is not a peril you are concerned about for a particular item, you can purchase coverage that does not include the Theft peril, which would result in less premium dollars.
The Agri-Pak policy can also be purchased with varying amounts of Liability and Medical Payments (to others) coverage.
To find an agency near you to fully explain this program and give you a quote, visit our Agency Locator page.
for rental owners
This program is designed primarily to insure tenant-occupied dwellings. However, it can also be used to insure the following:
- Owner-occupied mobile homes.
- Owner-occupied homes.
- Tenant-occupied mobile homes in certain circumstances.
Depending on the coverage type you choose, the perils insured against can range from very broad to very basic, with a corresponding premium cost. Coverage for Personal Property, Other Structures, Fair Rental Value, and Additional Living Expense can be purchased also.
This policy can also be purchased with varying amounts of Liability and Medical Payments (to others) coverage.
To find an agency near you to fully explain this program and give you a quote, visit our Agency Locator page.
For Valuable Personal Property
This program is designed to protect your valuable personal property against a very broad range of perils. Among others available, eligible items that can be insured 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 and Livestock. Livestock policies are available in 12-month, 9-month, and 6-month terms.
To find an agency near you to fully explain this program and give you a quote, visit our Agency Locator page.
For business owners/operators
This program is designed to cover commercial buildings, 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 (to others) can be purchased also.
To find an agency near you to fully explain this program and give you a quote, visit our Agency Locator page.