Eligibility:
- Main residence (if applicable) exclusively used for residential purposes – home, tenant, vacant or seasonal.
Optional Property Coverages:
- Additional Dwellings, Location – ML-309 or Coverage F
- Borrowed Farm Machinery & Equipment
- Bulk Milk Coverage
- Exclusion of Plastic/Fabric Coverings – greenhouses/coverall barns if needed
- Replacement Cost on Barns, Other Outbuildings
- Farm Extra Expense & Loss of Income
- Farm Machinery Glass
- Peak Season Inventories or Monthly Seasonal Variations
- Various Homeowners Coverage Packages – ML-5, ML-150A, Identity Theft
- Inland Marine Coverages – MR 33 Livestock, MR-41 Mobile Machinery
Optional Liability Coverages:
- Horse Boarding (per stall charge)
- Incidental Business Exposures (i.e. Maple Syrup, Honey, Roadside Stands)
- Commercial Liability Forms – LS-1, LS-5 when needed
- Excess Liability (up to $2 million occ/$4 million agg)
- "Pick Your Own" Fruit and Vegetable Farming – No Ladders
- Special Events – Onetime wedding, 1-3 day events, etc.
- Retail Store
Credits:
- Renewal Retention Credit
- Renovated Home Credit
- New Home Credit
- Supporting Business Credit
- Superior Risk Credit
"Gentleman Farmer" Program:
- 10 % Credit
- Owner-Occupied 1 or 2 Family Home
- Named Insured Retired or Employed Off-Premises
- Maximum 100 Acres
- Dwelling in Excellent Condition, Minimum 90% RC
- No Farm Employees
