Farm insurance policies are designed to protect your home and farming operations, guarding both your personal and farm assets in one package.
Property Coverage Typically Includes
⦁ Principal Farm Residence and Related Private Structures
Covers your house and any sheds or detached garages not used for farming.
⦁ Personal Property
Covers your belongings and the contents of your home, such as clothing, furniture, electronics, etc.
⦁ Additional Living Costs/ Loss of Rents
Provides for temporary housing and living expenses if your home becomes inhabitable due to a covered loss.
⦁ Scheduled Personal Property
Provides coverage for expensive valuables or collectibles like jewelry, guns, art, and antiques.
⦁ Scheduled Barns, Buildings & Structures
Covers barns, silos, grain bins, and other types of farm buildings when scheduled on your policy.
⦁ Scheduled Farm Personal Property
Covers tractors, trailers, combines, irrigation units, tools, implements, hay, and more when scheduled on your policy.
⦁ Scheduled Livestock & Poultry
Covers livestock and poultry if killed or injured as a result of a covered peril such as drowning, freezing, and smothering.
Liability Coverage Typically Includes
⦁ Medical Payments
Provides for the medical expenses of guests who are accidentally injured on your property.
⦁ Personal Injury & Property Damage Liability
Covers the injuries or property damage of others if you are at fault. An umbrella policy may be needed for extra coverage.
A deductible is the amount you are committing to pay in the event of a covered claim, while the insurance company covers the rest in accordance with the terms of the policy. Generally, the higher the deductible, the lower the policy premium will be.
Contact Us To Learn More
MAA's desire is for you to be well insured. Our agents are here to assist with the knowledge and answers you need to choose coverage with confidence.
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