Stand Alone Liability

We offer policies to provide liability coverage for vacant land you own. We also offer policies to cover stand alone farm outbuildings or farm personal property, with liability coverage as an option.

When you purchase insurance through our stand alone program, the following options are available:

  • Liability - if you are sued for a covered incident that occurred on your premises, we will pay for an attorney, court costs and any damages awarded, up to the policy limits
  • Farm property - coverage for farm items such as:
    • Barns
    • Livestock
    • Machinery
    • Hay

Additional coverage options:

  • Replacement cost for outbuildings
  • Broad form for outbuildings (adds coverage for additional perils such as collapse and accidental discharge of water)
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Condos

For only $25 annually, you can have broader coverage for the electrical and mechanical equipment in your condo.

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Coverage is available for condos used as rentals or occupied by you on a full-time or seasonal basis. Coverage applies for the parts of your unit that are not covered by your condo association’s insurance policy.

When you purchase insurance for your condo, you will receive coverage for:

  • Portions of your individual unit
  • Personal property in the unit
  • Additional living costs (owner occupied) - when a covered claim means you cannot occupy your home, this coverage will pay for the additional costs you incur
  • Fair rental value (tenant occupied) - If you cannot rent the unit due to a covered loss, we will pay for your loss of rental income
  • Limited coverage for Association Deductibles and Association Loss Assessment (higher limits available)

Additional coverage options:

  • Liability (included on owner occupied condos and optional on rental/seasonal condos) - if you are sued for a covered incident that occurred on your premises, we will pay for an attorney, court costs and any damages awarded, up to the policy limits
  • Replacement contents - items destroyed by a covered cause of loss will be replaced
  • Sewer backup

Your local knowledgeable agent will direct you to the policy that fits your needs. Find an agent.

The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.

Typical loss for your condo:

Imagine the air-conditioning system in the home quitting during a heat wave. The repairman informs you that the compressor had an internal failure and needs to be replaced. Most condo policies won’t cover this, but with our Equipment Breakdown addition, you’ll be covered. We’ll pay for the repairs, less the deductible.

Some restrictions and exclusions do apply. See policy for exact coverage description.

What does this coverage cost?

$25 annually (no matter how many dwellings), and a deductible of only $500 (no matter your policy deductible)

Covered Items

  • Compressors, pumps, engines
  • Electrical systems
  • Furnaces
  • Generators
  • Home appliances (e.g., dishwashers, washing machines)
  • Hot-water heaters
  • Motors, fans, vacuum systems
  • Refrigerators and freezers
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.

Farmowner

For only $25 annually, you can have broader coverage for the electrical and mechanical equipment on your farm.

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Your house, garage and other structures are covered for the cost of repairing or replacing them after a loss (up to the policy limits).

Insure Your:

  • Farm outbuildings (barns, silos, etc.)
  • Machinery (tractors, combines, tools, etc.)
  • Livestock (cattle, horses, etc.)
  • Farm products (hay, grain, etc.)

When you purchase insurance for your home, you will also receive coverage for:

  • The contents of your home
  • Detached structures on the premises, excluding farm-used buildings (garage, storage shed, etc.)
  • Additional living costs - when a covered claim means you can’t occupy your home, this coverage will pay for the additional costs you incur
  • Liability (optional) - we will pay for an attorney, court costs and any damages awarded—up to the policy limits—for covered lawsuits brought against you that arise from the operation of the farm

Additional coverage options:

  • Broader coverage for your special valuables (works of art, jewelry, guns, collectibles, etc.)
  • Home based business
  • Replacement contents - items destroyed by a covered cause of loss will be replaced
  • Sewer backup
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.

Typical loss for your home:

Imagine coming home during a heat wave to discover that your air-conditioning system has quit. The repairman informs you that the compressor had an internal failure and needs to be replaced. Most Farmowner policies won’t cover this, but with our Equipment Breakdown addition, you’ll be covered. We’ll pay for a new A/C unit, less the deductible. We also cover all electronic devices in your home, as well as anything mechanical.

Some restrictions and exclusions do apply. See policy for exact coverage description.

What does this coverage cost? $25 annually

Covered Items

  • Compressors, pumps, engines
  • Computers and other communications equipment
  • Televisions and home audio systems
  • Electrical systems
  • Furnaces
  • Gears, gear sets
  • Generators
  • Home appliances (e.g., dishwashers, washing machines)
  • Hot-water heaters
  • Motors, fans, vacuum systems
  • Refrigerators and freezers
  • Security systems
  • Swimming pool heating and filtration systems
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.

Inland Marine

Very broad coverage for personal property items. In most cases, coverage applies anywhere in the world.

Coverage can be scheduled for individual items or for a group of items (blanket coverage). Examples include:

  • ATVs/Boats - Your four wheeler or boat can be covered for comprehensive and collision losses
  • Collectibles - We can provide coverage for that collection of baseball cards, comic books, stamps, etc.
  • Sporting equipment - Cover all of your golf or other type of equipment in one easy coverage
  • Jewelry - We can provide comprehensive coverage for scheduled jewelry, including theft
  • Replacement cost coverage can be added for most items
  • Check with a local agent about coverage for all of your “toys”
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Umbrella

Our umbrella program offers excess liability coverage over your personal liability, auto liability and other specific coverages. We offer a personal umbrella policy or a farm umbrella policy program, depending on your specific needs.

A variety of coverage options are available:

  • Recreational vehicles
  • Watercraft
  • Motor homes
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Mobile Home

For only $25 annually, you can have broader coverage for the electrical and mechanical equipment in your home.

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Coverage is available for older mobile homes, rental or seasonal mobile homes. Your mobile home is covered for the cost of repairing or replacing it after a loss (up to the policy limits).

When you purchase insurance for your home in our Mobile Home program, you may also add coverage for:

  • The contents of your home
  • Detached structures on the premises (garage, storage shed, etc.)
  • Additional living costs (owner occupied) - when a covered claim means you can’t occupy your home, this coverage will pay for the additional costs you incur
  • Liability - if you are sued for a covered incident that occurred on your premises, we will pay for an attorney, court costs and any damages awarded, up to the policy limits

Additional coverage options:

  • Fair rental value (tenant occupied) - If you cannot rent the dwelling due to a covered loss, we will pay for your loss of rental income.
  • Replacement contents - items destroyed by a covered cause of loss will be replaced
  • Sewer backup
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.

Typical loss for your home:

Imagine coming home during a heat wave to discover that your air-conditioning system has quit. The repairman informs you that the compressor had an internal failure and needs to be replaced. Most Mobile Home policies won’t cover this, but with our Equipment Breakdown addition, you’ll be covered. We’ll pay for a new A/C unit, less the deductible. We also cover all electronic devices in your home, as well as anything mechanical.

Some restrictions and exclusions do apply. See policy for exact coverage description.

What does this coverage cost? $25 annually, and a deductible of only $500—no matter your policy deductible.

Covered Items

  • Compressors, pumps, engines
  • Computers and other home electronics
  • Televisions
  • Home audio systems
  • Electrical systems
  • Furnaces
  • Generators
  • Home appliances (e.g., dishwashers, washing machines)
  • Hot-water heaters
  • Motors, fans, vacuum systems
  • Refrigerators and freezers
  • Security systems
  • Swimming pool heating and filtration systems
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.

Mobile Homeowner

You can have broader coverage for the electrical and mechanical equipment in your home.

Learn More

Coverage is available for newer mobile homes that you occupy. Your mobile home is covered for the cost of repairing or replacing it after a loss (up to the policy limits).

When you purchase insurance for your home in our Mobile Homeowner program, you may also receive coverage for:

  • The contents of your home
  • Detached structures on the premises (garage, storage shed, etc.)
  • Additional living costs - when a covered claim means you can’t occupy your home, this coverage will pay for the additional costs you incur
  • Liability - if you are sued for a covered incident that occurred on your premises, we will pay for an attorney, court costs and any damages awarded, up to the policy limits

Additional coverage options:

  • Broader coverage for your special valuables (works of art, jewelry, guns, collectibles, etc.)
  • Home based business
  • Replacement contents - items destroyed by a covered cause of loss will be replaced
  • Sewer backup
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.

Typical loss for your home:

Imagine coming home during a heat wave to discover that your air-conditioning system has quit. The repairman informs you that the compressor had an internal failure and needs to be replaced. Most Mobile Homeowner policies won’t cover this, but with our Equipment Breakdown addition, you’ll be covered. We’ll pay for a new A/C unit, less the deductible. We also cover all electronic devices in your home, as well as anything mechanical.

Some restrictions and exclusions do apply. See policy for exact coverage description.

What does this coverage cost? $25 annually

Covered Items

  • Compressors, pumps, engines
  • Computers and other home electronics
  • Televisions
  • Home audio systems
  • Electrical systems
  • Furnaces
  • Generators
  • Home appliances (e.g., dishwashers, washing machines)
  • Hot water heaters
  • Motors, fans, vacuum systems
  • Refrigerators and freezers
  • Security systems
  • Swimming pool heating and filtration systems
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.

Seasonals

For only $25 annually, you can have broader coverage for the electrical and mechanical equipment in your seasonal dwelling.

Learn More

Coverage for your seasonal home.The policies provide for a wide variety of causes of loss, including vandalism.

When you purchase insurance for your seasonal house, coverage options are as follows:

  • Additional living costs - when a covered claim means you can’t occupy your home, this coverage will pay for the additional costs you incur
  • Liability - if you are sued for a covered incident that occurred on the seasonal property, we pay for an attorney, court costs and any damages awarded, up to policy limits
  • Detached structures on the premises (garage, storage shed, etc.)
  • The contents of your seasonal home
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.

Typical loss for your seasonal home:

Imagine the air-conditioning system in the home quitting during a heat wave. The repairman informs you that the compressor had an internal failure and needs to be replaced. Most seasonal policies won’t cover this, but with our Equipment Breakdown addition, you’ll be covered. We’ll pay for the repairs, less the deductible.

Some restrictions and exclusions do apply. See policy for exact coverage description.

What does this coverage cost?

$25 annually (no matter how many dwellings), and a deductible of only $500 (no matter your policy deductible)

Covered Items

  • Compressors, pumps, engines
  • Electrical systems
  • Furnaces
  • Generators
  • Home appliances (e.g., dishwashers, washing machines)
  • Hot-water heaters
  • Motors, fans, vacuum systems
  • Refrigerators and freezers
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.

Vacant Dwellings

Coverage for vacant dwellings.The policies provide for basic perils such as fire, wind and hail, as well as coverage for vandalism.

When you purchase insurance for your vacant dwelling, coverage options are as follows:

  • Liability - if you are sued for a covered incident that occurred on the vacant property, we pay for an attorney, court costs and any damages awarded, up to the policy limits
  • Detached structures on the premises can be scheduled on the policy (garage, storage shed, etc.)
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Contractor Insurance

Liability coverage for many different types of small contractors. Limits apply to the number of employees allowed.

Your local knowledgeable agent will direct you to the policy that fits your needs. Find an agent

Additional coverage options for your property:

  • Contractors tools
  • Contractors equipment – we can cover equipment on a scheduled or a blanket basis
  • Installation floater – for materials or supplies that will become a permanent part of the construction project
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Business Insurance

For only $25 annually, you can have broader coverage for the electrical and mechanical equipment in your business.

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We specialize in insuring small contractors, as well as a variety of retail, office, service, institutional and apartment risks. Coverage can be written for property and/or liability coverage, as well as for crime, glass, loss of income and a host of other products. From the Main Street store to rural risks, we can tailor a policy to protect what you have worked hard to build.

Offered Coverages:

  • Building
  • Business personal property
  • Business interruption - covers your lost income due to damage caused by a covered loss to covered property
  • Liability provides protection to you for covered lawsuits arising out of the premises, your products and operations

Not all coverages are available in every situation. Please see your agent for details. Your local knowledgeable agent will direct you to the policy that fits your needs. Find an agent.

Additional coverage options:

  • Money and securities - theft coverage for the cash and checks you have received, while at your location or off premises
  • Spoilage - coverage for perishable items
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.

Typical loss for your business:

Imagine returning to your business after a long, hot weekend to discover that your A/C is not working. A repairman tells you a broken shaft in the compressor was the cause. The estimate to fix it is $7,000. Fortunately your business is covered by Equipment Breakdown coverage. (Policy deductible applies; minimum $500 per occurrence.)

Property Damage $ 7,000
Less Deductible $500
Amount Paid $ 6,500

Some restrictions and exclusions do apply. See policy for exact coverage description.

What does this coverage cost? $25 annually for our Commercial policies

Covered Items

  • Telephones
  • Electrical Systems
  • Computers
  • Copiers
  • Production Equipment
  • Boilers
  • Fired Water Heaters
  • Refrigeration Units
  • Compressors
  • Pumps
  • Gears & Gear Sets
  • Engines
  • Motors
  • Generators
  • Transformers
  • Switchboards
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.

Landlord

For only $25 annually you can have broader coverage for the electrical and mechanical equipment in your rental dwellings.

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Coverage for your rental house(s) at an economical cost. The policies provide for a wide variety of causes of loss. For instance, your policy will provide coverage if your tenant maliciously damages your rental house. In most cases, all of your rental houses can be placed on one policy for ease of billing and payment.

When you purchase insurance for your rental house(s), coverage options are as follows:

  • Fair rental value - if you cannot rent the house due to a covered loss, we will pay your loss of rental income
  • Liability - if you are sued for a covered incident that occurred on the rental property, we pay for an attorney, court costs and any damages awarded, up to policy limits
  • Wrongful eviction - if you are sued for wrongfully evicting a tenant, we pay for an attorney, court costs and any damages awarded, up to policy limits
  • Detached structures on the premises (garage, storage shed, etc.)
  • Underground service lines – our Service Line Enhancement Endorsement provides protection from loss to a covered underground service line caused by a variety of perils including root invasion and corrosion.
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.

Typical loss for your rental home:

Imagine the air-conditioning system in the home quitting during a heat wave. The repairman informs you that the compressor had an internal failure and needs to be replaced. Most rental policies won’t cover this, but with our Equipment Breakdown addition, you’ll be covered. We’ll pay for the repairs, less the deductible.

Some restrictions and exclusions do apply. See policy for exact coverage description.

What does this coverage cost?

$25 annually (no matter how many dwellings), and a deductible of only $500 (no matter your policy deductible)

Covered Items

  • Compressors, pumps, engines
  • Electrical systems
  • Furnaces
  • Generators
  • Home appliances (e.g., dishwashers, washing machines)
  • Hot-water heaters
  • Motors, fans, vacuum systems
  • Refrigerators and freezers
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.

Homeowner

For only $25 annually, you can have broader coverage for the electrical and mechanical equipment in your home.

Learn More

Your house, garage and other structures are covered for the cost of repairing or replacing them after a loss (up to the policy limits).

When you purchase insurance for your home, you will also receive coverage for:

  • The contents of your home
  • Detached structures on the premises (garage, storage shed, etc.)
  • Additional living costs - when a covered claim means you can’t occupy your home, this coverage will pay for the additional costs you incur
  • Liability - if you are sued for a covered incident that occurred on your premises, we will pay for an attorney, court costs and any damages awarded, up to the policy limits
  • Underground service lines – our Service Line Enhancement Endorsement provides protection from loss to a covered underground service line caused by a variety of perils including root invasion and corrosion.

Additional coverage options:

  • Broader coverage for your special valuables (works of art, jewelry, guns, collectibles, etc.)
  • Home based business
  • Replacement contents - items destroyed by a covered cause of loss will be replaced
  • Sewer backup

Your local, knowledgeable agent will direct you to the policy that fits your needs. Find an agent.

The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.

Typical loss for your home:

Imagine coming home during a heat wave to discover that your air-conditioning system has quit. The repairman informs you that the compressor had an internal failure and needs to be replaced. Most Homeowner policies won’t cover this, but with our Equipment Breakdown addition, you’ll be covered. We’ll pay for a new A/C unit, less the deductible. We also cover all electronic devices in your home, as well as anything mechanical.

Some restrictions and exclusions do apply. See policy for exact coverage description.

What does this coverage cost? $25 annually

Covered Items

  • Compressors, pumps, engines
  • Computers and other home electronics
  • Televisions
  • Home audio systems
  • Electrical systems
  • Furnaces
  • Generators
  • Home appliances (e.g., dishwashers, washing machines)
  • Hot water heaters
  • Motors, fans, vacuum systems
  • Refrigerators and freezers
  • Security systems
  • Swimming pool heating and filtration systems
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.
Have a question? Ask Us or Find an Agent